2553 State Rd A1A, Jacksonville, FL 32233
North Beach
Monthly Cost Breakdown at Heron Pointe Apartments
The listed rent isn't the whole number. Here's what Heron Pointe Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Heron Pointe Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Heron Pointe Apartments can push your insurance cost up or down:
Older Building
Built in 1986 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
Ground Level
Single-story — higher flood/water intrusion risk
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2168/100K (37% above national average)
What You'll Likely Pay
$16
Est. Monthly
$187
Est. Annual
$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 Heron Pointe Apartments based on the rent level and building features.
Personal Property
What your stuff is worth
If you own less
$15,000
If you own more
$40,000
Liability
Covers accidental harm & lawsuits
Standard minimum for most lease requirements in Florida. Cats present minimal liability risk vs dogs.
How Carriers Compare for This Area
Not all carriers price the same zip code equally. Here's how the major options stack up near Heron Pointe Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $102/yr |
| USAA | $10/mo | $114/yr |
| State Farm | $13/mo | $152/yr |
| Progressive | $14/mo | $165/yr |
| Safeco | $14/mo | $165/yr |
| Travelers | $15/mo | $178/yr |
| Allstate | $16/mo | $190/yr |
| Nationwide | $16/mo | $190/yr |
| Farmers | $17/mo | $203/yr |
| Liberty Mutual | $19/mo | $228/yr |
Discounts You May Qualify For
Next Step
See if you can beat $16/mo
4 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 Jacksonville.
Jacksonville property crime rate
per 100K residents
U.S. avg is 1,578 per 100K
Breakdown per 100K residents
U.S. average
Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. Heron Pointe Apartments also has on-site security features (Property manager on site) that insurers recognize with discounts.
Source: FBI UCR Program, Jacksonville Sheriff's Office (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 Heron Pointe 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 Heron Pointe Apartments. Some are monthly, some are one-time — all of them affect your actual cost of living here.
Required Fees
Application Fee Per Applicant
Charged per applicant.
Administrative Fee
Charged per unit.
Pets Fees
Dog Fee
Charged per pet.
Dog Rent
Charged per pet.
Cat Fee
Charged per pet.
Cat Rent
Charged per pet.
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 Heron Pointe Apartments.
Grocery
- The Fresh Market 4.5
- Publix Super Market at Seminole Shoppes 4.6
- US Navy Commissary 4.4
Pharmacy
- Walgreens Pharmacy 3.6
- Heron Pointe Apartments 3.2
- CVS Pharmacy 4.2
Hospital
- HCA Florida Atlantic Emergency 3.6
- HCA Florida Memorial Hospital Emergency Room 3.9
- HCA Florida Memorial Hospital 4.1
Gym
- Hyperswole Gym 4.9
- Crunch Fitness - Harbour Village 4.3
- Heron Pointe Apartments 3.2
Restaurant
- The Hangar Bay Café and Gallery 4.7
- Olympia Cafe 4.5
- Poe's Tavern 4.6
Park
- Kathryn Abbey Hanna Park 4.7
- Dutton Island Preserve 4.7
- Huguenot Memorial Park 4.6
Bank
- Heron Pointe Apartments 3.2
- Bank of America (with Drive-thru ATM) 2.5
- Chase Bank 3.3
Gas
- Circle K | Gas Station 1.0
- Circle K 3.6
- RaceTrac 3.2
Pet Policy
Bringing a pet? Here's what Heron Pointe Apartments allows. Standard renters insurance typically covers pet-related incidents, so you usually won't need any add-on coverage for a cat.
About Heron Pointe Apartments
From the property listing:
Welcome to Heron Pointe Isn't it time you made it easy on yourself? Surrounded by trees and beautiful landscaping, Heron Pointe is ideally located just minutes from Mayport, shopping and the beaches, yet we're conveniently tucked away on A1A, just off Mayport Road. Our single-story, garden-style Mayport Jacksonville apartments feature private entrances and patios for your enjoyment. We offer Studio, 1 & 2-bedroom apartments in Jacksonville near Hanna Park.
Other Options Nearby
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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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