The Verdict · Phoenix, AZ
$959–$1,509
real monthly · incl. fees + insurance
4★
25 Google reviews
No major red flags
worth watching
A solidly reviewed community where the real cost runs ~$60 over sticker, and there's no standout hazard to plan around.
Looking for renters insurance?
It runs about $15/mo — see what renters insurance in Phoenix, AZ typically costs.
Also worth knowing: Does renters insurance cover storage units?
What Residents Say
The honest version — the good and the bad, straight from recent Google reviews of The Axis on Mcdowell Apartments. Reviewer names are shortened for privacy; you can read the full reviews on Google.
“I have been in this property for more than a year, and every time that I need from the office they always help me. That’s why I already renew the léase. In the past 6 months the property is in better conditions. The gate is closed now so the property is more secure. Aldo the property always is clea…”
“From the looks of the last review, nothing has changed since they were bought out everything Bobbi describes is accurate 100%. I cut my lease 6 months early because of how bad it is the gates don’t work so there’s always crazy stuff happening around the complex. If I were you save your time and mon…”
“The apartment was painted over before it was cleaned. My plugs don’t work my heater doesn’t work I put in a request last month about heater and ac they just got the ac to work.It was coming on wouldn’t go off and blowing out hot air it took five visits to fix that. I don’t have the dishwasher that …”
“Just moved out the current manager alondra is rude and very disrespectful and lazy. Place is infested with termites and roaches she will say she is calling a exterminator and then lie and say she accidentally called wrong company and never send them water coming thru leaking a whole year since I m…”
“I love the property. It is so quite and clean.”
What reviews flag most
Mined from 5 recent reviews · 25 total on Google. Longer bars mean the topic comes up more often — this is a read on what gets mentioned, not a summary of every review.
3830 W McDowell Rd, Phoenix, AZ 85009
Westside
What The Axis on Mcdowell Apartments Really Costs
The sticker rent isn't the whole number. Here's what The Axis on Mcdowell Apartments actually costs each month once required fees, pet rent, and insurance are in — the number the listing sites leave off.
Renters insurance adds ~$15/mo to that total — compare quotes →
Fees Beyond Rent
The additional charges beyond base rent at The Axis on Mcdowell Apartments. Some are monthly, some one-time — all of them shape your real cost of living here.
Required Fees
Application Fee Per Applicant
Charged per applicant.
Administrative Fee
Charged per unit.
Pets Fees
One-Time Pet Fee
Max of 2. Charged per pet.
Pet Deposit
Max of 2. Charged per pet.
Monthly Pet Fee
Max of 2. Charged per pet.
Parking Fees
Parking Fee
Max of 1. Charged per vehicle.
Safety & Property Crime
For a renter, property crime is what you actually feel day to day — a car broken into overnight, a package lifted off the step, a bike gone from storage, or how the walk from the lot feels after dark. Here's how Phoenix looks on the theft-related crimes that touch renters most.
These are city-level figures from the FBI's Uniform Crime Reporting program — not block-by-block. Your specific street may run calmer or rougher than the citywide rate.
Phoenix property crime
2,080
per 100K residents
U.S. avg 1,578 / 100K
Breakdown per 100K residents
U.S. average
The practical takeaways here are the unglamorous ones: park in lit areas, use a parcel locker if the community offers one, and don't leave anything visible in the car. The Axis on Mcdowell Apartments's on-site security (Controlled access, Property manager on site, Gated) helps on the margin.
Source · FBI UCR · Phoenix · 2024-12 to 2025-11
On-Site Security
Natural Hazards to Plan For
At a moderate-hazard address like The Axis on Mcdowell Apartments, the question of whether to add earthquake coverage to a renters policy isn't obvious — endorsements run roughly $50–$150 a year, and the probability of a damaging quake is real but low. Flood risk here is minimal and most other weather damage is already covered. Specifics below.
Flood damage
This address is in one of FEMA's lower flood-risk classifications. Standard renters policies don't cover flood damage anywhere, but in low-risk zones the cost of a separate NFIP policy generally isn't justified by the expected loss. The detail is below mostly for completeness.
Source · FEMA NFHL
FEMA Zone X (0.2% annual chance — 500-year floodplain) — Minimal flood risk
Flood insurance optional but inexpensive in this zone.
Zones can change — verify at FEMA Flood Map Service
Earthquake shaking
The seismic picture is in the middle: damaging earthquakes are uncommon but not negligible. Renters insurance excludes earthquake damage regardless, so the choice is whether the modest cost of an endorsement is worth the modest probability of a payout. The data point below provides the specifics.
Source · USGS NSHM
Moderate seismic hazard · ground motion 0.08g
Endorsements priced for renters typically run under $100 a year and only cover personal property. Whether it pays back depends on the value of what's in your unit.
Ground motion at ~2% probability over 50 years — the building-code reference level
Severe weather you'd actually claim for
This is the part of the natural-hazard picture where renters insurance actually pays out. NOAA records around 83 severe-weather events a year in Maricopa County. Damage to personal property from wind, hail, and storms is covered by a baseline policy — the historical record below is more about understanding what your policy will actually be used for than identifying a coverage gap.
Severe-weather damage to personal belongings is covered without an endorsement on every standard renters policy. The frequency above is part of why carrying the coverage matters here, not a reason to add anything extra.
Source · NOAA Storm Events · 5-yr averages for Maricopa County
Standard renters insurance is enough for most renters here. The earthquake endorsement is worth pricing if you'd find replacing your possessions out-of-pocket painful.
Renters Insurance at The Axis on Mcdowell Apartments
We found a few insurance details on the The Axis on Mcdowell Apartments 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 buy your policy, most carriers have a field to add the property as an interested party — skip it and your proof may get rejected. It takes 30 seconds. Start a quote to see which carriers handle this automatically.
What Affects Your Premium Here
Every building is different. These factors specific to The Axis on Mcdowell Apartments can push your insurance cost up or down:
Older Building
Built in 1986 — older plumbing/electrical may increase risk
Gated Community
Gated access reduces theft risk — may qualify for security discount
Controlled Access
Electronic/key fob entry — reduces unauthorized entry risk
FEMA Flood Zone
Zone X — minimal flood risk
FBI UCR
Property crime rate: 2080/100K (32% above national average)
What You'll Likely Pay
$15
Est. monthly
$176
Est. annual
$14
With discounts/mo
$14
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 (furniture, electronics, clothes), and liability coverage, which protects you if someone gets hurt in your unit or you damage someone else's property. Here's what we'd recommend for The Axis on Mcdowell Apartments based on the rent level and building.
Personal Property
What your stuff is worth
If you own less
$10,000
If you own more
$25,000
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 The Axis on Mcdowell Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $8/mo | $96/yr |
| USAA | $9/mo | $108/yr |
| State Farm | $12/mo | $144/yr |
| Progressive | $13/mo | $156/yr |
| Safeco | $13/mo | $156/yr |
| Travelers | $14/mo | $168/yr |
| Allstate | $15/mo | $180/yr |
| Nationwide | $15/mo | $180/yr |
| Farmers | $16/mo | $192/yr |
| Liberty Mutual | $18/mo | $216/yr |
Discounts You May Qualify For
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Pet Policy
Bringing a pet? Here's what The Axis on Mcdowell Apartments allows, along with the deposits and monthly pet rent to budget for.
One cost the pet fees don't touch: vet bills. Compare pet insurance quotes for your dog or cat in about a minute.
About The Axis on Mcdowell Apartments
From the property listing:
Welcome home to The Axis on McDowell, where we offer a variety of floorplans to suit all families’ needs, from a bachelor to a full house, we can accommodate you well. Choose from studio, one, two, or three bedrooms and be amazed at the value. You will get your new home delivered to you with a smile and along come all the great features, such as resident parking, sparkling swimming pool, on-site laundry facilities, and access to community barbeque grills. Overall you will enjoy living where your commute will be a breeze and nearby all the great attractions Phoenix has to offer.
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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