Grand Cypress Apartments: Renters Insurance Guide & What It Actually Costs

Last updated Apr 15, 2026

Thinking about renting at Grand Cypress Apartments in Saint Johns? Rent here runs $1,424 – $2,282, and renters insurance adds about $12/mo. Below we break down which carriers are cheapest for this building and what the lease actually requires.

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125 Grand Cypress Dr, Saint Johns, FL 32259

Saint Johns

Managed by Greystar Built 2022 4 stories 588 units
4.8/5 ·843 reviews Google
4/5 ·4 reviews Apt. Finder
$1,424 – $2,282 /month

Monthly Cost Breakdown at Grand Cypress Apartments

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

Total Monthly Cost $1,515 – $2,373
Base Rent $1,424 – $2,282
Required Monthly Fees $79
Est. Renters Insurance $12/mo

Renters Insurance at Grand Cypress Apartments

What Affects Your Premium Here

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

Gated Community

Gated access reduces theft risk — may qualify for security discount

Controlled Access

Electronic/key fob entry — reduces unauthorized entry risk

Dog-Friendly

Dogs allowed — consider higher liability coverage

FEMA Flood Zone

Zone X — minimal flood risk

What You'll Likely Pay

$12

Est. Monthly

$139

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 Grand Cypress Apartments based on the rent level and building features.

Personal Property

What your stuff is worth

$30,000 recommended

If you own less

$20,000

If you own more

$50,000

Liability

Covers accidental harm & lawsuits

$300,000 recommended

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 Grand Cypress 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

Gated community
-5%
Controlled access
-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 $11/mo

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

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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 Saint Johns.

On-Site Security

Controlled access Gated Package lockers Covered parking

Flood Risk

Standard renters insurance does not cover flood damage. FEMA maps every property into a flood zone — here's what that means for Grand Cypress 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 Grand Cypress Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.

Required Fees

Pest Control Services

Amount for pest control services. Charged per unit.

$3.50 / mo

Trash Services - Doorstep

Amount for doorstep trash removal from rental home. Charged per unit.

$30 / mo

Community Amenity Fee

Amount for community amenity use and services. Charged per unit.

$30 / mo

Utility - Billing Administrative Fee

Amount to manage utility services billing. Charged per unit.

$5.12 / mo

Utility - Electric - Third Party

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

Varies / mo

Utility - Water/Sewer

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

Varies / mo

Renters Liability Insurance - Third Party

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

Varies / mo

Administrative Fee

Amount to facilitate move-in process for a resident. Chargedper unit.

$250

Application Fee

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

$75

Utility - New Account Fee

Amount to establish utility services. Charged per unit.

$25

Access Device

Amount to obtain an access device for community; fobs, keys,remotes, access passes. Charged per device.

$25

Security Deposit (Refundable)

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

$300

Utility - Final Bill Fee

Amount billed to calculate final utility statement. Charged per unit.

$15

Pets Fees

Pet Fee

Our community welcomes two pets per apartment home. There isa non-refundable pet fee in the amount of $400.00 for the first pet and $200.00 for the second. Pet rent is $30.00 per month, per pet. There is a 75 pound weight limit per pet and aggres...

$400 - $600

Pet Rent

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

$30 / mo

Pet Management - Third Party

Max of 1. Amount for authorized pet registration and screening services. Charged per pet. Payable to 3rd Party

$30 - $130 / yr

Parking Fees

Parking Fee

Max of 1. Amount for garage parking space/services. May be subject to availability. Charged per rentable item.

$175 / mo

Parking Fee

Max of 1. Amount for electric vehicle space; reserved or pay-per-use station. May be subject to availability. Charged per vehicle. Payable to 3rd Party

Varies

Parking - Reserved

Max of 1. Amount for reserved parking space/services. May besubject to availability. Charged per rentable item.

$75 / mo

Addons Fees

Rental Home Upgrade

Amount for Rental Home Upgrades offered and selected. May besubject to availability. Charged per rentable item.

$20 / mo

Short Term Rental

Amount for rental home occupancy for a shorter lease term. May be subject to availability. Charged per unit.

$250 / mo

Situational Fees

Month-to-Month Fee

Amount, in addition to base rent, for a month-to-month leaseCharged per unit.

$500 / mo

Renters Liability Only - Non-Compliance

Amount for not maintaining required Renters Liability PolicyCharged per unit.

$15 / occurence

Late Fee

Amount for paying after rent due date; per terms of lease. Charged per unit.

$175 / occurence

Lease Violation - Trash

Amount for violation of waste-related community policies. Charged per unit.

$25 - $75 / occurence

Pet/Animal Violation - Waste

Amount for violation of community policies related to pet orassistance animal waste. Charged per unit.

$250 - $450 / occurence

Access Device - Replacement

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

$50 / occurence

Access/Lock Change Fee

Amount to change or reprogram access to rental home. Chargedper unit.

$50 / occurence

Utility - Vacant Processing Fee

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

$50 / occurence

Intra-Community Transfer Fee

Amount due when transferring to another rental unit within community. Charged per unit.

$500 / occurence

Returned Payment Fee (NSF)

Amount for returned payment. Charged per unit.

$75 / occurence

Liquidated Damages

Amount for not satisfying the application and/or lease termsCharged per unit.

100% of base rent / occurence

Early Lease Termination/Cancellation

Amount to terminate lease earlier than lease end date; excludes rent and other charges. Charged per unit.

200% of base rent / occurence

Legal/Eviction Fees

Amount for legal expenses incurred for lease violations. Charged per unit.

Varies / occurrence

Security Deposit - Additional (Refundable)

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

Varies one-time

Amenities

Special Features

Preserve View Pet Park Yoga Lawn Attached & Detached Garages Available Complimentary Coffee Bar Co-Working Lounge Lakeside Walking & Jogging Trails Pond View Controlled-Access Community Pool View Resort-Style Pool 24-Hour, Secured Parcel Room Storage Available

Community Features

Pet Play Area Car Charging Station Clubhouse Lounge Grill Fitness Center Pool Walking/Biking Trails

Floor Plan Amenities

Washer/Dryer Dishwasher Disposal Kitchen Microwave Oven Range Refrigerator Lawn

What's Within Reach

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

Pharmacy

  • Grand Cypress 4.8
  • Publix Pharmacy at Shoppes at Beachwalk 4.2
  • CVS Pharmacy 4.2

Hospital

  • Ascension St. Vincent's Emergency Care - St. Johns 4.6
  • Ascension St. Vincent's St. Johns County 4.7
  • HCA Florida Julington Creek Emergency 3.6

Gym

  • Grand Cypress 4.8
  • Capstone Fitness 5.0
  • Basecamp Fitness Fruit Cove 5.0

Restaurant

  • Grand Cypress 4.8
  • Lanjie Hot Pot & BBQ 4.8
  • Ember & Iron 4.5

Park

  • Grand Cypress 4.8
  • Riverfront Park 4.8
  • Julington Creek Plantation Park 4.5

Bank

  • Grand Cypress 4.8
  • Bank of America ATM (Drive-thru) 5.0
  • Bank of America (with Drive-thru ATM) 2.7

Gas

  • Wawa 4.5
  • Grand Cypress 4.8
  • Pilot Travel Center 4.0

Pet Policy

Bringing a pet? Here's what Grand Cypress 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 and Dogs Allowed
$30 Monthly Pet Rent
$400 Fee
75 lb Weight Limit
2 Pet Limit

About Grand Cypress Apartments

Year Built: 2022
Stories: 4 stories
Units: 588
Management: Greystar
Phone: (904) 478-9703

From the property listing:

Live carefree every day. At Grand Cypress, coming home feels like you're on vacation. With impressive finishes and resort-quality amenities, our apartments make it possible to live beyond your expectations. With so much to do in the perfect location, a vibrant new lifestyle awaits. Embrace it.

Other Options Nearby

Still weighing your choices? Other communities in Saint Johns — compare rent and estimated insurance cost side by side.

Frequently Asked Questions

Does Grand Cypress Apartments require renters insurance?
We didn't find a public insurance requirement for Grand Cypress 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 Grand Cypress Apartments?
For this zip code and building type, expect to pay around $12/month ($139/year). Grand Cypress Apartments has security features that qualify for discounts — with those applied, you could pay as little as $11/month. For context, the statewide average is $16/month, so this building is below average.
What will I actually pay per month at Grand Cypress Apartments?
Plan for $1,515 to $2,373/month all-in. That's base rent ($1,424 – $2,282), plus $79/month in required fees (trash, utilities, etc.), plus roughly $12/month for renters insurance. Most apartment listing sites don't include those last two — so the sticker price can be misleading.
Does Grand Cypress Apartments allow pets?
Yes, Grand Cypress Apartments is pet-friendly. Here are the details: Cats and Dogs Allowed. $30 Monthly Pet Rent. $400 Fee. 75 lb Weight Limit. 2 Pet 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.
What floor plans does Grand Cypress Apartments offer?
There are 14 floor plans to choose from, spanning 1-bedroom, 2-bedroom, 3-bedroom layouts. Rent ranges from $1,424 – $2,282. 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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