15 Ascend Cir, St Johns, FL 32259
St Johns
Monthly Cost Breakdown at Aria Durbin Creek Apartments
The listed rent isn't the whole number. Here's what Aria Durbin Creek Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Aria Durbin Creek Apartments
We found a few insurance details on Aria Durbin Creek Apartments's website. Your lease may have additional requirements — treat these as a starting point.
Lease Requirements
* An "interested party" is the property management company listed on your insurance policy. It doesn't give them any claim rights — it just means they get notified if your policy lapses, which is how the leasing office verifies you stay insured.
One thing to watch for: when you purchase your policy, most carriers have a field where you add the property as an interested party — skip that step and your proof may get rejected. It takes 30 seconds during checkout. Start a quote to see which carriers handle this automatically.
In Aria Durbin Creek Apartments's own words:
"Hassle-free renters' insurance. Opt-in through Multifamily Insurance Partners, LLC."
What Affects Your Premium Here
Every building is different. These factors specific to Aria Durbin Creek Apartments can push your insurance cost up or down:
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 399/100K (75% below national average)
What You'll Likely Pay
$12
Est. Monthly
$146
Est. Annual
$11
With Discounts/mo
$16
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 Aria Durbin Creek Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
Liability
Covers accidental harm & lawsuits
Pool on premises — higher liability recommended for accidents at shared amenities
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Aria Durbin Creek Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $91/yr |
| USAA | $9/mo | $102/yr |
| State Farm | $11/mo | $136/yr |
| Progressive | $12/mo | $148/yr |
| Safeco | $12/mo | $148/yr |
| Travelers | $13/mo | $159/yr |
| Allstate | $14/mo | $170/yr |
| Nationwide | $14/mo | $170/yr |
| Farmers | $15/mo | $182/yr |
| Liberty Mutual | $17/mo | $204/yr |
Discounts You May Qualify For
Next Step
See if you can beat $11/mo
6 discounts may apply here. Real quotes show your actual price — estimates can't.
Property Crime & Theft Risk
Renters insurance pricing is driven by property crime — theft, burglary, and vehicle break-ins — not violent crime. Here's what the FBI's Uniform Crime Reporting data shows for St Johns.
St Johns property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Below-average property crime typically translates to lower renters insurance premiums in this area, and security features on the building can push your rate even lower. Aria Durbin Creek Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Doorman, Package lockers, Sprinklers, Covered parking, On site maintenance) that insurers recognize with discounts.
Source: FBI UCR Program, St. Johns (2024-12 to 2025-11)
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.
On-Site Security
Flood Risk
Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Aria Durbin Creek 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 Aria Durbin Creek Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Concierge Membership
Charged per unit.
Pest Control
Charged per unit.
Utility Billing Administrative Fee
9% of Water Bill Charged per unit.
Utility - Water/Sewer
Charged per unit.
Application Fee Per Applicant
Charged per applicant.
Security Deposit - Refundable
Charged per unit.
Administrative Fee
Charged per unit.
Deposit Alternatives Available
Charged per unit.
Pets Fees
Pet Fee
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Parking Fees
Parking Fee
Charged per vehicle.
Addons Fees
Renter's Insurance
Charged per unit.
Situational Fees
Non-Sufficient Funds
Charged per occurrence.
Late Fee
On the 4th Charged per occurrence.
Amenities
Special Features
Community Features
Floor Plan Amenities
What's Within Reach
Groceries, pharmacies, gyms — the basics you'll want close by. Here's what's in the neighborhood around Aria Durbin Creek Apartments.
Grocery
- Whole Foods Market 4.4
- ALDI 4.5
- Publix Super Market at Bartram Market 4.6
Pharmacy
- CVS Pharmacy 4.0
- Publix Pharmacy at Bartram Market 3.3
- CVS Pharmacy 4.2
Hospital
- Ascension St. Vincent's Emergency Care - St. Johns 4.6
- HCA Florida Julington Creek Emergency 3.6
Gym
- Training for Warriors Julington Creek - a gym for all fitness levels! 5.0
- HOTWORX- St. Johns, FL - Durbin Pavilion 4.7
- CYCLEBAR 4.9
Restaurant
- Zen Pho & Noodles St Johns 4.7
- Pepper’s Cocina Mexicana & Tequila Bar 4.2
- Ember & Iron 4.5
Park
- Riverfront Park 4.8
- Julington Creek Plantation Park 4.5
- Veterans Park 4.6
Bank
- TD Bank 3.8
- Chase Bank 3.2
- Bank of America (with Drive-thru ATM) 2.7
Gas
- Circle K 4.2
- Circle K | Gas Station
- GATE Gas Station 4.2
Pet Policy
Bringing a pet? Here's what Aria Durbin Creek Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Aria Durbin Creek Apartments
From the property listing:
At Aria Durbin Creek, convenience is top of mind. Each of our one, two and three-bedroom apartments for rent in St. Johns, FL, is equal parts eco-friendly and luxurious, and the amenities take it up a notch. ?Designer finishes blend with energy-efficient fixtures to create apartments that feel beautiful, functional, and effortlessly chic. Plus, oversized walk-in closets and premium designer quartz countertops are standard in every home. Onsite retailers include some of the area's best local restaurants, Starbucks, a car wash, and even an Aldi.
Other Options Nearby
Still weighing your choices? Other communities in St Johns — compare rent and estimated insurance cost side by side.
Palacio Apartments
St Johns
1001 Fields Rd Rental
North Side
10143 Meadow Point Dr Rental
West Side
10264 Lancashire Dr E Rental
North Side
10310 Briarcliff Rd E Rental
North Side
1035 Preakness Ct Rental
North Side
Frequently Asked Questions
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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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