54 Magnolia Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 12, 2026

Thinking about renting at 54 Magnolia Apartments in Southside? Rent here runs $1,467 - $3,661, and renters insurance adds about $15/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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9800 Touchton Rd, Jacksonville, FL 32246

Southside

Managed by Greystar Built 1998 3 stories 276 units
4.1/5 ·144 reviews Google
5/5 ·34 reviews
$1,467 - $3,661 /month

Monthly Cost Breakdown at 54 Magnolia Apartments

The listed rent isn't the whole number. Here's what 54 Magnolia Apartments actually costs each month once you add required fees and insurance.

Total Monthly Cost $1,589 – $3,783
Base Rent $1,467 – $3,661
Required Monthly Fees $107
Est. Renters Insurance $15/mo

Renters Insurance at 54 Magnolia Apartments

What Affects Your Premium Here

Every building is different. These factors specific to 54 Magnolia Apartments can push your insurance cost up or down:

Gated Community

Gated access reduces theft risk — may qualify for security discount

FEMA Flood Zone

Zone X — minimal flood risk

AreaVibes

Crime grade: C

NeighborhoodScout

Safer than only 6% of US cities

What You'll Likely Pay

$15

Est. Monthly

$176

Est. Annual

$14

With Discounts/mo

$14

State Avg/mo

How Much Coverage Makes Sense

Renters insurance has two main pieces: personal property coverage, which pays to replace your belongings if they're stolen or damaged (think furniture, electronics, clothes), and liability coverage, which protects you if someone gets hurt in your unit or you accidentally damage someone else's property. Here's what we'd recommend for 54 Magnolia Apartments based on the rent level and building features.

Personal Property Coverage

$75,000 recommended
Low: $40,000 High: $100,000

Liability Coverage

$300,000 $300,000

Dog-friendly community — higher liability recommended for pet-related incidents

How Carriers Compare for This Area

Not all carriers price the same zip code equally. Here's how the major options stack up near 54 Magnolia Apartments:

Carrier Monthly Annual
Lemonade $8/mo $96/yr
USAA $9/mo $108/yr
State Farm $12/mo $144/yr
Progressive $13/mo $156/yr
Safeco $13/mo $156/yr
Travelers $14/mo $168/yr
Allstate $15/mo $180/yr
Nationwide $15/mo $180/yr
Farmers $16/mo $192/yr
Liberty Mutual $18/mo $216/yr

Discounts You May Qualify For

Gated community
-5%
Alarm-ready unit
-3%
Claims-free (if applicable)
-10%
Pay-in-full annual
-7%
Paperless/autopay
-3%
Multi-policy bundle
-10%

Next Step

See if you can beat $14/mo

6 discounts may apply here. Real quotes show your actual price — estimates can't.

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Safety & Security

The neighborhood around your apartment directly affects your renters insurance rate — carriers charge more in higher-crime zip codes and less where theft and property damage are rare. Here's what the data says about the area around 54 Magnolia Apartments.

C

Area Crime Grade

6%

Jacksonville overall is safer than only 6% of U.S. cities

This reflects Jacksonville as a whole — your specific zip code may score differently. Carriers use zip-level data when pricing your policy. The good news: 54 Magnolia Apartments has on-site security features (Property manager on site, Gated, Doorman, Covered parking, Perimeter fencing, Alarm ready) that insurers recognize with premium discounts.

What Residents Are Saying

Based on Google reviews, here are the issues residents mention most often — and the ones that matter when choosing your coverage. Longer bars indicate more frequent discussion.

Maintenance Issues Common topic

On-Site Security

Property manager on site Gated Doorman Covered parking Perimeter fencing Alarm ready

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for 54 Magnolia Apartments.

FEMA Zone X (Area Of Minimal Flood Hazard) — Minimal flood risk

Flood insurance optional but inexpensive in this zone.

Flood zone data from FEMA National Flood Hazard Layer (NFHL). Zones can change — verify at FEMA Flood Map Service.

Fees Beyond Rent

These are the additional charges beyond base rent at 54 Magnolia Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Trash Services - Doorstep

Amount for doorstep trash removal from rental home. Charged ... Read Moreper unit. Read Less

$25 / mo

Pest Control Services

Amount for pest control services. Charged per unit.

$3 / mo

Utility - Billing Administrative Fee

Amount to manage utility services billing. Charged per unit.

$3.50 / mo

Utility - Water/Sewer

Usage-Based (Utilities).Amount for provision and/or consumpt... Read Moreion of water and sewer services Charged per unit. Read Less

Varies / mo

Utility - Electric - Third Party

Usage-Based (Utilities).Amount for provision and consumption... Read More of electric paid to a third party. Charged per unit. Payable to 3rd Party Read Less

Varies / mo

Renters Liability Insurance - Third Party

Amount for renters liability insurance obtained through resi... Read Moredent's provider of choice. Charged per leaseholder. Payable to 3rd Party Read Less

Varies / mo

Administrative Fee

Amount to facilitate move-in process for a resident. Charged... Read More per unit. Read Less

$200

Application Fee

Amount to process application, initiate screening, and take ... Read Morea rental home off the market. Charged per applicant. Read Less

$75

Utility - New Account Fee

Amount to establish utility services. Charged per unit.

$12.50

Security Deposit (Refundable)

Amount intended to be held through residency that may be app... Read Morelied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit. Read Less

$200

Pets Fees

Pet Fee - Additional Pet

Rent is per pet. One time fee is per household

$150

Pet Fee

Max of 1. Amount to facilitate authorized pet move-in. Charg... Read Moreed per pet. Read Less

$350

Pet Rent

Max of 2. Monthly amount for authorized pet. Charged per pet

$15 / mo

Pet Management - Third Party

Max of 1. Amount for authorized pet registration and screeni... Read Moreng services. Charged per pet. Payable to 3rd Party Read Less

$30 / yr

Parking Fees

Parking Fee

Max of 1. Amount for garage parking space/services. May be s... Read Moreubject to availability. Charged per rentable item. Read Less

$105 / mo

Garage Lot

Addons Fees

Access Device - Additional

Amount to obtain additional access device(s) for community; ... Read Moreadditional fob, additional key. May be subject to availability. Charged per device. Read Less

$50

Situational Fees

Late Fee

Amount for paying after rent due date; per terms of lease. ... Read MoreCharged per unit. Read Less

$100 / occurence

Renters Liability Only - Non-Compliance

Amount for not maintaining required Renters Liability Policy... Read More. Charged per unit. Read Less

$12 / occurence

Pet/Animal - Lease Violation

Amount for violation of community policies related to pet or... Read More assistance animal. Charged per unit. Read Less

$250 / occurence

Access Device - Replacement

Amount to obtain a replacement access device for community; ... Read Morefobs, keys, remotes, access passes. Charged per device. Read Less

$50 / occurence

Access/Lock Change Fee

Amount to change or reprogram access to rental home. Charged... Read More per unit. Read Less

$50 / occurence

Utility - Vacant Processing Fee

Amount for failing to transfer utilities into resident name.... Read More Charged per unit. Read Less

$50 / occurence

Returned Payment Fee (NSF)

Amount for returned payment. Charged per unit.

$75 / occurence

Intra-Community Transfer Fee

Amount due when transferring to another rental unit within c... Read Moreommunity. Charged per unit. Read Less

$750 / occurence

Liquidated Damages

Amount for not satisfying the application and/or lease terms... Read More. Charged per unit. Read Less

100% of base rent / occurence

Early Lease Termination/Cancellation

Amount to terminate lease earlier than lease end date; exclu... Read Moredes rent and other charges. Charged per unit. Read Less

200% of base rent / occurence

Payment Services - Third Party

Amount for using a third party, electronic payment processin... Read Moreg service (i.e. credit card, ACH, etc.). Charged per unit. Payable to 3rd Party Read Less

Varies / occurrence

Lease Violation - Trash

Amount for violation of waste-related community policies. C... Read Moreharged per unit. Read Less

Varies / occurrence

Legal/Eviction Fees

Amount for legal expenses incurred for lease violations. Cha... Read Morerged per unit. Read Less

Varies / occurrence

Utility - Vacant Cost Recovery

Usage-Based (Utilities).Amount for utility usage not transfe... Read Morerred to resident responsibility any time during occupancy. Charged per unit. Read Less

Varies / occurrence

Security Deposit - Additional (Refundable)

Additional amount, based on screening results, intended to b... Read Moree held through residency that may be applied toward amounts owed at move-out. Refunds processed per application and lease terms. Charged per unit. Read Less

Varies one-time

Amenities

Special Features

Free Amenity Wi-Fi Conveniently Located Near St. Johns Town Center Carpeting Expansive Window Walls Lake Views* Screened Balcony Fire Pit Fenced Bark Park Intrusion Alarm Systems Spacious Walk-In Showers * Tiled Baths with Soaking Tubs Vinyl Plank Floors* 9' and Vaulted Ceilings* Built-In Bookcases and Desks* Large Walk-In Closet(s) Starbucks Coffee Bar Car Washing Facility Door-to-Door Trash Service Dual Vanity with Dressing Table and Linen Closet* Summer Kitchen with Gas Grills Two-Step Crown Moldings Washer and Dryer Custom Kitchen Cabinetry Outdoor Storage

Community Features

Maintenance on site Pet Washing Station Clubhouse Breakfast/Coffee Concierge Storage Space Walk-Up Fitness Center Pool Gameroom

Floor Plan Amenities

Wi-Fi Washer/Dryer Air Conditioning Heating Ceiling Fans Cable Ready Security System Trash Compactor Tub/Shower Disposal Vinyl Flooring Walk-In Closets

What's Within Reach

Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around 54 Magnolia Apartments.

Grocery

  • Publix Super Market at Deerwood Lake Commons 4.5
  • Publix Super Market at St. John's Town Center 4.6
  • Sprouts Farmers Market 4.5

Pharmacy

  • CVS Pharmacy 4.0
  • CVS Pharmacy 3.5
  • Medtown PHARMACY 4.9

Hospital

  • Ascension St. Vincent's Emergency Care - Southside 4.2
  • Baptist & Wolfson Town Center Emergency Room (ER) 3.0
  • HCA Florida Memorial Hospital Emergency Room 3.9

Gym

  • Orangetheory Fitness 4.7
  • Yoga Mix 4.9
  • Chuze Fitness 4.2

Restaurant

  • Cantina Louie (Jacksonville/Southside, FL) 4.5
  • Tequilas D´ Oro Mexican Restaurant | Jacksonville 4.9
  • Vagabond Korean Steakhouse 4.6

Park

  • Touchton Park 4.6
  • 54 Magnolia Apartments 4.1
  • Brackridge Park 4.0

Bank

  • TD Bank 3.3
  • Bank of America ATM (Drive-thru) 2.9
  • Bank of America (with Drive-thru ATM) 3.0

Gas

  • GATE Gas Station 4.4
  • GATE Gas Station 2.9
  • Shell 4.0

Pet Policy

Bringing a pet? Here's what 54 Magnolia Apartments allows — and keep in mind, if you have a dog, most insurance advisors recommend bumping your liability coverage to at least $300,000. Standard renters policies cover pet-related incidents, but the default $100,000 limit may not be enough if something happens.

Cats Allowed

  • $15 Monthly Pet Rent
  • $350 Fee
  • 2 Pet Limit
  • 50 lb Weight Limit

About 54 Magnolia Apartments

54 Magnolia is situated in Jacksonvilles Southside neighborhood between Tinseltown and the St. Johns Town Center. In each of our one, two and three-bedroom homes, you will find spacious floorplans, screened porches and lake views. Ready to enjoy life and relax? Join your neighbors and friends at our exquisite Clubhouse playing a game on our life-sized Scrabble board or watching a sporting event. Work up a sweat at our state-of-the-art Fitness Center which includes iFIT equipment and free weights. You will also enjoy soaking up the Florida sunshine at our enticing pool area featuring outdoor games, a firepit and an outdoor kitchen with gas grills. Our pet-friendly community offers a Pet Spa and Bark Park for your Furry Friends! And not to forget your four-wheeled family members, we offer a car washing station with vacuum. Schedule a personal tour today!

Year Built: 1998
Stories: 3
Total Units: 276
Management: Greystar
Phone: (904) 861-3794

Other Options Nearby

Still weighing your choices? These communities are in the same part of Jacksonville — with their own insurance costs and safety profiles worth comparing.

Frequently Asked Questions

Does 54 Magnolia Apartments require renters insurance?
We didn't find a public insurance requirement for 54 Magnolia Apartments, but that doesn't mean there isn't one. Many communities add the requirement during lease signing. It's worth asking the leasing office directly — and even if it's not required, a policy typically runs under $20/month and covers you against theft, fire, and liability.
How much is renters insurance at 54 Magnolia Apartments?
For this zip code and building type, expect to pay around $15/month ($176/year). 54 Magnolia Apartments has security features that qualify for discounts — with those applied, you could pay as little as $14/month. For context, the statewide average is $14/month, so this building is right around average.
What will I actually pay per month at 54 Magnolia Apartments?
Plan for $1,589 to $3,783/month all-in. That's base rent ($1,467 - $3,661), plus $107/month in required fees (trash, utilities, etc.), plus roughly $15/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does 54 Magnolia Apartments allow pets?
Yes, 54 Magnolia Apartments is pet-friendly. Here are the details: Cats Allowed. $15 Monthly Pet Rent. $350 Fee. 2 Pet Limit. 50 lb Weight Limit. If you have a pet, keep in mind that most renters insurance policies cover pet liability — but you may want to increase your liability limit, especially for larger breeds.
How safe is the area around 54 Magnolia Apartments?
The area has a C crime grade, which is worth factoring into your coverage decisions. That puts it safer than 6 of U.S. cities. On the property itself, you'll find property manager on site, gated, doorman, covered parking — features that can also qualify you for insurance discounts.
What floor plans does 54 Magnolia Apartments offer?
There are 7 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,467 - $3,661. Your unit size can affect your insurance cost too — a larger unit typically means more belongings to cover.

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Disclaimer

The information on this page — including rent prices, fees, floor plans, amenities, insurance requirements, and safety data — is collected from publicly available sources and may not reflect the most current details. Apartment communities may update their offerings, policies, and pricing at any time. Always confirm details directly with the leasing office or the community's official website before making any decisions.

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