5327 Timuquana Rd, Jacksonville, FL 32210
West Side
Monthly Cost Breakdown at The Villas at Ortega Apartments
The listed rent isn't the whole number. Here's what The Villas at Ortega Apartments actually costs each month once you add required fees and insurance.
Renters Insurance at The Villas at Ortega Apartments
What Affects Your Premium Here
Every building is different. These factors specific to The Villas at Ortega Apartments can push your insurance cost up or down:
Older Building
Built in 1972 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
Dog-Friendly
Dogs allowed — consider higher liability coverage
Water/Leak Issues
6 mentions in Google reviews
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2168/100K (37% above national average)
What You'll Likely Pay
$20
Est. Monthly
$237
Est. Annual
$20
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 The Villas at Ortega 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
$60,000
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 The Villas at Ortega Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $10/mo | $118/yr |
| USAA | $11/mo | $132/yr |
| State Farm | $15/mo | $176/yr |
| Progressive | $16/mo | $191/yr |
| Safeco | $16/mo | $191/yr |
| Travelers | $17/mo | $206/yr |
| Allstate | $18/mo | $220/yr |
| Nationwide | $18/mo | $220/yr |
| Farmers | $20/mo | $235/yr |
| Liberty Mutual | $22/mo | $264/yr |
Discounts You May Qualify For
Next Step
See if you can beat $20/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.
Property crime rate in Jacksonville
37% above national average (1,578/100K)
Breakdown per 100K residents
Higher-than-average property crime is why insurance carriers charge more in this zip code — your premium reflects the claims frequency for the area. The Villas at Ortega 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 The Villas at Ortega 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 The Villas at Ortega 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
Pet Fee
Max of 2. Charged per unit.
Monthly Pet Fee
Max of 2. Charged per pet.
Parking Fees
Parking Deposit
Charged per vehicle.
Parking Fee
Charged per vehicle.
Surface Lot
Free parking around the premises and Optional Reserved Parking - $30 Per month
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 The Villas at Ortega Apartments.
Grocery
- Winn-Dixie 4.2
- Rowe's Supermarket 4.3
- Publix Super Market at Roosevelt Square Shopping Center 4.5
Pharmacy
- CVS Pharmacy 4.8
- Carter's Pharmacy 4.7
- Timuquana Animal Hospital 4.9
Restaurant
- Latin House Grill Jax 4.3
- Uncle Gene's Soul & Seafood Cf 4.0
- Foodo Kitchen 4.3
Park
- Timuquana Park 4.0
- Timuquana Park 4.0
Bank
- VyStar Credit Union ATM 5.0
- ATM (Sams Discount Food Mart) 4.3
- Wells Fargo Bank 2.8
Gas
- Timuquana Sunoco 3.7
- Mobil 4.0
- El Cheapo 3.7
Pet Policy
Bringing a pet? Here's what The Villas at Ortega 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
- 2 Pet Limit
About The Villas at Ortega Apartments
The Villas at Ortega No matter what your lifestyle or interests, our modern apartment community is the ideal place to call home. Our affordable, pet-friendly apartments, available in 1 or 2-bedroom options, are located in a prime area with convenient access to schools, shopping, and major business hubs. We’ve recently upgraded our community with fantastic amenities, including a renovated gym, clubhouse, bark park, and much more. Our apartments have also been updated to provide the comfort and convenience you deserve.
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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