Cpu Bellview

ADU Pass helps homeowners in Cpu Bellview — a USPS locale inside Pensacola, Escambia County, Florida — navigate the permit paperwork for building an accessory dwelling unit. This locale covers 1 ZIP code.

1 ZIP code
Pensacola — city ADU rules and incentives

ADU legality: allowed-with-restrictions

Pensacola is the home of Naval Air Station Pensacola and the U.S. Navy Blue Angels demonstration squadron. Coastal Gulf-coast city with 160 mph wind-design exposure on Pensacola Beach barrier island. ADUs permitted under city LDC subject to district setbacks.

City cost envelope

$135,000 all-in for a 600 sqft ADU (permit + build). Midpoint scenario.

Permit fee bundle: $3,000.

City viability (selected uses)

Long-term rentalyes
Short-term rentalwith-restrictions
Home officeyes
Relative supportyes

City incentives

Escambia County — county ADU rules and overlays

County ADU ordinance

Escambia County (Florida's westernmost Panhandle county) regulates accessory dwelling units on parcels in the unincorporated county through the Escambia County Land Development Code (LDC), which addresses 'Accessory Dwelling Units,' 'guest houses,' and 'caretaker residences.' Escambia is the Pensacola area's county — the Panhandle's largest metro and home to Naval Air Station Pensacola (the 'Cradle of Naval Aviation') and the large Pensacola Naval Complex (NAS Pensacola, NAS Whiting Field in Santa Rosa, Corry Station, Saufley Field). Florida has no mandatory statewide ADU preemption — § 163.31771 Fla. Stat. is permissive only. As of 2026-04-20, Escambia County permits one ADU per single-family parcel in most residential zoning districts (LDR, MDR, HDR, AG, Commercial-Residential) subject to size caps (typically 750 sqft or 40% of primary, whichever is less), setback conformance, height limits, and utility-sharing requirements. The coastal Perdido Key, Pensacola Beach (incorporated as the Santa Rosa Island Authority jurisdiction), Gulf Breeze (in Santa Rosa County), and the broader Pensacola Bay / Escambia Bay / Perdido Bay frontage are hurricane-surge-exposed. Hurricane Sally (Sept 2020) delivered catastrophic surge and rainfall flooding to Escambia; Hurricane Ivan (2004) was the major prior event. Ongoing post-Sally rebuild dominates the coastal permit pipeline. Pending 2026 state legislation (SB 48 / HB 313) would preempt sub-1,000-sqft caps — Escambia's 750-sqft cap requires upward adjustment.

State-floor overlay: Florida has no mandatory statewide ADU preemption. § 163.31771 Fla. Stat. is permissive only. Pending 2026-session SB 48 / HB 313 would preempt sub-1,000-sqft caps and single-family-zone bans effective December 1, 2026 if enacted. Escambia's 750-sqft cap requires upward adjustment. Live Local Act applies to commercial / industrial / mixed-use. Florida HOA / condominium / cooperative statutes (Ch. 720, 718, 719) do NOT preempt association-level ADU restrictions — Escambia has extensive HOA / condominium jurisdiction on Perdido Key (condo-dominant), and in mainland master-planned communities (Nature Trail, Hidden Creek, Kingsfield Lakes, Scenic Highway bayfront communities) where covenants commonly bar ADUs.

County regulatory overlays

Escambia County administers or co-administers overlays materially affecting ADU siting: (1) FEMA SFHA covering Perdido Key, Pensacola Beach, Pensacola Bay frontage, Escambia Bay frontage, Perdido Bay frontage, and inland along the Escambia River / Perdido River corridors; Escambia is CRS Class 6 giving 20% NFIP discount; post-Sally FIRM revisions substantially raised BFEs; (2) Florida Building Code Wind Borne Debris Region at 150 mph inland / 160-170 mph barrier-island; (3) Coastal High Hazard Area (CHHA) — post-Sally tightened; (4) Florida DEP Coastal Construction Control Line (CCCL); (5) Naval Air Station Pensacola Air Installations Compatible Use Zones (AICUZ) — extensive overlay covering Navy-adjacent parcels with FAA Part 77 / DoD Instruction 4165.57 safety zones and noise contours; (6) Northwest Florida Water Management District (NWFWMD) consumptive-use and stormwater; (7) Florida Forest Service Firewise zones in rural north Escambia (Blackwater River State Forest — actually in Santa Rosa, but approaches Escambia line); (8) Santa Rosa Island Authority — unique special district governing Pensacola Beach on Santa Rosa Island, operating a 99-year leasehold structure (no fee-simple ownership on most of the barrier island).

County permitting (unincorporated parcels)

Escambia County Development Services Department is the combined planning / zoning / building / floodplain permit authority for parcels in the unincorporated county. Unincorporated Escambia covers approximately 555 square miles (about 87% of the 656 sqmi total land area). Incorporated municipalities are Pensacola (county seat, dominant city) and Century (small town in far north Escambia). Principal unincorporated communities include Myrtle Grove, Warrington (Navy-base-adjacent), Ferry Pass, Brent, Pensacola Beach (actually Santa Rosa Island unincorporated — governed via Santa Rosa Island Authority), Perdido Key (unincorporated), Cantonment, Beulah, West Pensacola, Bellview, and rural north Escambia. Escambia is a CRS Class 6 community for NFIP. All of Escambia County is WBDR at 150-mph-ultimate inland / 160-170-mph-ultimate on barrier islands (Pensacola Beach / Perdido Key) and immediate coastal. Development Services operates one-stop permit intake. Naval Air Station Pensacola's Air Installations Compatible Use Zones (AICUZ) overlay covers substantial fringe parcels and requires Navy-coordinated review.

DepartmentEscambia County Development Services Department
Address3363 W Park Pl, Pensacola, FL 32505
Phone850-595-3475
Florida state — ADU law and programs

State ADU law

Florida does NOT currently have a statewide ADU preemption law in effect. Florida Statutes § 163.31771 (enacted 2004, last amended 2020) is permissive — it authorizes local governments to adopt ADU ordinances but does not require them to. ADU rules are therefore set municipality-by-municipality: Miami-Dade, Orlando, St. Petersburg, Tampa, and a growing set of Florida cities have their own ordinances; many smaller counties and cities still prohibit or restrict ADUs by default. A preemption bill (SB 48 / HB 313) is pending in the 2026 legislative session and is likely to pass given that its 2025 predecessor cleared the Senate 37-0 and House 97-10 before dying on a procedural amendment dispute.

  • Florida Statutes § 163.31771 — Accessory dwelling units — Permissive (not mandatory) statute. Defines an ADU as 'an ancillary or secondary living unit, that has a separate kitchen, bathroom, and sleeping area, existing either within the same structure, or on the same lot, as the primary dwelling unit.' Authorizes — but does not require — local governments to adopt ordinances allowing ADUs in single-family residential zones. Contains no size caps, no owner-occupancy rules, no HOA preemption. All substantive rulemaking is local.

State financing programs

Florida Housing Finance Corporation (FHFC) does not operate an ADU-specific state loan or grant program. FHFC's primary affordable-housing lever at the ADU tier is the State Housing Initiatives Partnership (SHIP), which distributes state documentary-stamp-tax revenue to all 67 counties and 52 entitlement cities for locally-administered housing programs — some of which may fund ADU construction at the local level (notably Orange County's Affordable ADU Loan Program, run through the Orange County Housing Finance Trust). FHFC's FL Assist down-payment programs and HFA Preferred / HFA Advantage conventional loans apply to ADU-eligible primary residences but do not single out ADUs. Proposed CS/SB 1440 would create a state property-tax exemption of up to 100% of assessed value for an ADU rented at affordable rates.

State housing programs

Florida does not currently operate a statewide pre-approved ADU plan catalog (unlike California or Washington). State-level ADU implementation is driven by (a) the permissive § 163.31771 which lets willing jurisdictions adopt ordinances, (b) SHIP pass-through funding to local ADU programs (Orange County's Affordable ADU Loan Program is the model), and (c) the affordable-housing property-tax exemption under the Live Local Act (SB 102 / SB 328). The Department of Economic Opportunity (DEO) — now reorganized as the Department of Commerce — provides technical assistance to local governments but no statewide ADU-specific mandate or program. Major counties (Miami-Dade, Orange, Pasco, Hillsborough, Pinellas, Broward) have published their own ADU ordinances and guidance documents.

Federal (United States) — ADU-relevant rules and programs

Federal ADU law

The United States has no federal statute that directly regulates accessory dwelling unit entitlement or design. Land-use authority over ADUs resides with states and local governments under the traditional police power. Federal engagement is limited to financing (Fannie/Freddie/FHA/VA/USDA), flood insurance (FEMA/NFIP), and discretionary housing programs (HUD), which are recorded in sibling sections of this file.

Federal financing programs

Federal housing-finance agencies and GSEs set nationwide underwriting rules that govern whether an ADU can be financed, appraised, and counted toward mortgage qualifying income. The relevant actors are Fannie Mae, Freddie Mac, FHA (HUD), VA, and USDA Rural Development.

Federal tax credits

There is no ADU-specific federal tax credit. ADUs may incidentally qualify for existing federal energy-efficiency and clean-energy tax credits when the ADU construction includes qualifying measures.

Federal housing programs

HUD administers several discretionary programs that can fund ADU-related activity at the grantee's election, but none is an ADU-specific program.

ZIP Code

  • 32526

Post Office

  • 2400 W Michigan Ave, 32526