The Verdict · Pinellas Park, FL
$1,438–$1,843
real monthly · incl. fees + insurance
3.9★
406 Google reviews
No major red flags
worth watching
A solidly reviewed community where the real cost runs ~$44 over sticker, and there's no standout hazard to plan around.
Looking for renters insurance?
It runs about $16/mo — see what renters insurance in Pinellas Park, FL typically costs.
What Residents Say
The honest version — the good and the bad, straight from recent Google reviews of 49th Street Apartments.
“Just moved into the community, but it has been exceptional so far. It’s quiet, clean, and accessible. The apartment was clean, appliances all worked, and the kitchen is a great size. We moved from out of state and Dayana made the transition effortless. Not only is she incredibly helpful and friendl…”
“I have been a tenant for almost 4yrs and I have had no issues, when I did it was quickly resolved. Maintenance has always provided me fast service, although I have had many problems. Although lots of changes in office staff I have never had a problem with anyone. I love this complex, even had got n…”
“If you are looking for safety, a nice environment, a sense of community, good communication, and a good place to live — this is not the place to rent an apartment. I have been a resident here for almost two years, and my experience has been nothing but stressful from the start. Even if you try to …”
“I can't believe I stayed here for 2 years. The price of rent is competitive but that's really the only upside I can give to the place. The first thing you'll notice upon moving in is that they'll let just about anybody live there. The amount of times the police and federal agencies come busting dow…”
“Dayana is the most amazing person ever. She provided outstanding service and helped us get our apartment within just a few days.”
What reviews flag most
Mined from 5 recent reviews · 406 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.
What residents talk about most
A recurring concern in reviews
“There are ongoing safety concerns — the police are here all the time, and one day my car was opened, and my wallet was stolen.”— Google reviewer
Mixed feedback in reviews
8400 49th St N, Pinellas Park, FL 33781
Pinellas Park
What 49th Street Apartments Really Costs
The sticker rent isn't the whole number. Here's what 49th Street Apartments actually costs each month once required fees, pet rent, and insurance are in — the number the listing sites leave off.
Renters insurance adds ~$16/mo to that total — compare quotes →
Fees Beyond Rent
The additional charges beyond base rent at 49th Street 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.
Monthly Pet Fee
Max of 2. Charged per pet.
Parking Fees
Parking Deposit
Charged per vehicle.
Parking Fee
Charged per vehicle.
Safety
On-Site Security
Natural Hazards to Plan For
The natural-hazard exposure at 49th Street Apartments is mild on every dimension a renter typically cares about. FEMA's flood zone for this address is low-risk, USGS rates seismic activity as low, and severe-weather records for Pinellas County are unremarkable. Standard renters insurance handles the everyday claims (theft, fire, wind, water damage from leaks) without any add-ons. Specifics below for the curious.
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 (minimal flood hazard) — Minimal flood risk
Flood insurance optional but inexpensive in this zone.
Zones can change — verify at FEMA Flood Map Service
Earthquake shaking
Earthquakes happen rarely enough at this location that an earthquake-specific endorsement isn't a meaningful insurance decision. A baseline renters policy still covers the claims you'd actually file. The USGS-level detail is included below mostly for thoroughness.
Source · USGS NSHM
Low seismic hazard · ground motion 0.02g
Skipping the endorsement is a defensible choice at this hazard level. Theft, fire, lightning, and most water damage stay covered under a standard renters policy regardless.
Ground motion at ~2% probability over 50 years — the building-code reference level
Severe weather you'd actually claim for
Severe-weather activity in Pinellas County is at the low end. Standard renters insurance already covers wind and hail damage to your stuff, so the data below is more context than coverage gap.
Source · NOAA Storm Events · 5-yr averages for Pinellas County
The bottom line: a standard renters policy at this address is sufficient. None of the optional natural-hazard endorsements pay back at meaningful odds.
Renters Insurance at 49th Street Apartments
We found a few insurance details on the 49th Street 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 49th Street Apartments can push your insurance cost up or down:
Older Building
Built in 1984 — older plumbing/electrical may increase risk
Open Access
No gated or controlled access — higher theft exposure
Water/Leak Issues
4 mentions in Google reviews
FEMA Flood Zone
Zone X — minimal flood risk
What You'll Likely Pay
$16
Est. monthly
$196
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 (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 49th Street Apartments based on the rent level and building.
Personal Property
What your stuff is worth
If you own less
$20,000
If you own more
$50,000
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 49th Street Apartments:
| Carrier | Monthly | Annual |
|---|---|---|
| Lemonade | $9/mo | $107/yr |
| USAA | $10/mo | $120/yr |
| State Farm | $13/mo | $160/yr |
| Progressive | $14/mo | $174/yr |
| Safeco | $14/mo | $174/yr |
| Travelers | $16/mo | $187/yr |
| Allstate | $17/mo | $200/yr |
| Nationwide | $17/mo | $200/yr |
| Farmers | $18/mo | $214/yr |
| Liberty Mutual | $20/mo | $240/yr |
Discounts You May Qualify For
Next step
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About 49th Street Apartments
From the property listing:
We do not just rent apartments. From the moment you walk through the front door, you will feel the comfort that makes our residents happy to come home. Cutting edge amenities, meticulously-groomed grounds, and a dedicated staff contribute to a higher standard of living. Convenient shopping, award-winning schools, local museums, and parks are all close at hand... Join us Today! To our Pet friendly and family community. Law Enforcement Military Teachers EMT ?? Join us for a tour and make your dream home a reality! ?? ?? Contact us today for more details! ??
Frequently Asked Questions
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I'll line up top carriers side by side — pre-filled for this building so the proof of insurance is one click away.
First rental, or first time buying a policy? Start with our renters insurance guide — what it costs, what it covers, and what landlords can require.
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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