130 N Big Cypress Dr, St Johns, FL 32259
St Johns
Monthly Cost Breakdown at Palacio Apartments
The listed rent isn't the whole number. Here's what Palacio Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at Palacio Apartments
What Affects Your Premium Here
Every building is different. These factors specific to Palacio 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
Liability Hazards
3 mentions of slip/fall, trip hazards, or injuries in reviews
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
$139
Est. Annual
$10
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 Palacio 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
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 Palacio 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 $10/mo
7 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. Palacio Apartments also has on-site security features (Package service, Controlled access, Property manager on site, Gated, Doorman, Package lockers, Sprinklers, Covered parking) 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 Palacio 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 Palacio 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 per unit.
Community Amenity Fee
Amount for community amenity use and services. Charged per unit.
Pest Control Services
Amount for pest control services. Charged per unit.
Utility - Billing Administrative Fee
Amount to manage utility services billing. Charged per unit.
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
Utility - Water/Sewer
Usage-Based (Utilities).Amount for provision and/or consumption of water and sewer services Charged per unit.
Renters Liability Insurance - Third Party
Amount for renters liability insurance obtained through resident's provider of choice. Charged per leaseholder. Payable to 3rd Party
Application Fee
Amount to process application, initiate screening, and take a rental home off the market. Charged per applicant.
Utility - New Account Fee
Amount to establish utility services. Charged per unit.
Access Device
Amount to obtain an access device for community; fobs, keys,remotes, access passes. Charged per device.
Administrative Fee
Amount to facilitate move-in process for a resident. Chargedper unit.
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.
Utility - Final Bill Fee
Amount billed to calculate final utility statement. Charged per unit.
Pets Fees
Pet Fee
Our community welcomes 2 pets per apartment home. There is anon-refundable one-time pet fee for dogs is $400 for the first pet and $200 for the second pet. one-time pet fee for cats is $400 and $200 for the second pet. Pet rent is $25.00 per month, per pet. There is a 75-pound weight limit per pet and aggressive breeds are prohibited. Please call our Leasing Office for complete Pet Policy information.
Pet Rent
Max of 2. Monthly amount for authorized pet. Charged per pet
Pet Management - Third Party
Max of 1. Amount for authorized pet registration and screening services. Charged per pet. Payable to 3rd Party
Parking Fees
Parking Fee
Max of 1. Amount for garage parking space/services. May be subject to availability. Charged per rentable item.
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
Parking - Reserved
Max of 1. Amount for reserved parking space/services. May besubject to availability. Charged per rentable item.
Addons Fees
Short Term Rental
Amount for rental home occupancy for a shorter lease term. May be subject to availability. Charged per unit.
Situational Fees
Renters Liability Only - Non-Compliance
Amount for not maintaining required Renters Liability PolicyCharged per unit.
Late Fee
Amount for paying after rent due date; per terms of lease. Charged per unit.
Lease Violation - Trash
Amount for violation of waste-related community policies. Charged per unit.
Pet/Animal Violation - Waste
Amount for violation of community policies related to pet orassistance animal waste. Charged per unit.
Access/Lock Change Fee
Amount to change or reprogram access to rental home. Chargedper unit.
Access Device - Replacement
Amount to obtain a replacement access device for community; fobs, keys, remotes, access passes. Charged per device.
Utility - Vacant Processing Fee
Amount for failing to transfer utilities into resident name.Charged per unit.
Returned Payment Fee (NSF)
Amount for returned payment. Charged per unit.
Intra-Community Transfer Fee
Amount due when transferring to another rental unit within community. Charged per unit.
Liquidated Damages
Amount for not satisfying the application and/or lease termsCharged per unit.
Early Lease Termination/Cancellation
Amount to terminate lease earlier than lease end date; excludes rent and other charges. Charged per unit.
Legal/Eviction Fees
Amount for legal expenses incurred for lease violations. Charged per unit.
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.
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 Palacio Apartments.
Grocery
- ALDI 4.3
- Publix Super Market at Shoppes at Beachwalk 4.7
- Palacio 4.8
Pharmacy
- Palacio 4.8
- Publix Pharmacy at Shoppes at Beachwalk 4.2
- CVS Pharmacy 4.2
Hospital
- UF Health Emergency & Urgent Care Center - Baymeadows 4.4
- Ascension St. Vincent's Emergency Care - St. Johns 4.6
- Ascension St. Vincent's St. Johns County 4.7
Gym
- Orangetheory Fitness 4.9
- Momentum Fit Incorporated 5.0
- Palacio 4.8
Restaurant
- Gyro 365 4.7
- Clean Eatz 4.4
- Teriyaki Madness 4.1
Park
- Palacio 4.8
- Riverfront Park 4.8
- Julington Creek Plantation Park 4.5
Bank
- Palacio 4.8
- Chase Bank 3.2
- Bank of America ATM (Drive-thru) 5.0
Gas
- Wawa 4.5
- Wawa 3.2
- Palacio 4.8
Pet Policy
Bringing a pet? Here's what Palacio 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.
About Palacio Apartments
From the property listing:
Discover unparalleled luxury and comfort at Palacio, a premier apartment community nestled in the heart of St. Johns, Florida. Our thoughtfully designed residences seamlessly blend modern elegance with timeless Spanish architectural details, creating a unique living experience tailored to your lifestyle. Choose from a variety of spacious floor plans, including one, two, and three-bedroom options, each meticulously crafted to offer the perfect balance of style and functionality. Inside your new home, you'll find high-end finishes and contemporary features that cater to your every need.
Other Options Nearby
Still weighing your choices? Other communities in St Johns — compare rent and estimated insurance cost side by side.
Aria Durbin Creek 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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