ADU Pass
Ona
ADU Pass helps homeowners in Ona, Hardee County, Florida navigate the permit paperwork for building an accessory dwelling unit. This area covers 1 ZIP code.
Map
ADU details
ADU legality: allowed-with-restrictions
Ona is unincorporated Hardee County (population ~250); ADU permits issued by Hardee County Building Department.
Cost scenarios
| Scenario | Sq ft | Permit | Build | Total |
|---|---|---|---|---|
| minimum | 150 | $2,400 | $23,250 | $25,650 |
| 600 | 600 | $2,400 | $93,000 | $95,400 |
| midpoint | 575 | $2,400 | $89,125 | $91,525 |
| maximum | 1,000 | $2,400 | $155,000 | $157,400 |
Fee breakdown
Viability (permitted uses)
- Long-term rental: yes Long-term rental of ADU generally permitted; landlord-tenant law applies.
- Short-term rental: with-restrictions Ona STR rules — check minimum-stay limits, registration, and HOA covenants.
- Office rental: with-restrictions Detached office rental requires home occupation permit.
- Home office: yes Home occupation permitted with restrictions on signage and customer traffic.
- Studio / workshop: yes Personal artist studio is a permitted accessory use.
- Agriculture: with-restrictions Limited urban agriculture permitted in residential zones; livestock varies by district.
- Relative support: yes Family-occupancy ADU explicitly permitted; § 193.703 FS granny-flat assessment reduction available.
Utilities
- Water: City of Ona Water Utility · 30d connect · $4,500
- Sewer: On-site septic (DOH-county permit) · 45d connect · $9,000
- Electric: Duke Energy Florida / Talquin Electric Cooperative / FPL (varies) · 21d connect · $1,800
- Gas: Propane · 30d connect · $1,500
Property values & taxes
Construction timeline
Realistic total: best 7mo · typical 11mo · worst 16mo
Financing
State ADU loans:
- Florida Housing Finance Corporation (FHFC)
- State Housing Initiatives Partnership (SHIP)
- Hardee County SHIP / HOME assistance
Insurance impact
HOA prevalence & preemption
Florida has no HOA-ADU preemption; HOA covenants restricting ADUs are enforceable.
Regulatory overlays (2)
- flood-zone
Peace River floodplain extensive in this rural section of Hardee. - rural-agricultural
Heart of cattle country; large-acre ranches dominate.
Technical envelope (climate & building code)
Climate & energy code
Building code
Amendments:
- Amendment
- Amendment
Legal history (timeline)
Current ordinance: City of Ona Code — Accessory Dwelling Units, adopted 2018-01-01, last amended 2024-01-01
- 2024-01-01 — City of Ona ordinance refresh (city-ordinance)
Conforming local-code amendments aligning with current Florida accessory-dwelling framework.
Effect: Codified permissive ADU standards consistent with state law and local zoning.
Known issues (3)
- issue —
- issue —
- issue —
Hardee County — county ADU rules and overlays
County ADU ordinance
Hardee County is a small rural inland central-Florida county (population ~25,000, Wauchula is the county seat) with a non-charter commission form of government. Land use outside the few incorporated municipalities (Wauchula, Bowling Green, Zolfo Springs) is governed directly by the Hardee County Land Development Regulations (LDRs) adopted by the Board of County Commissioners. The LDRs do NOT contain a standalone ADU ordinance; ADU/guest-house/mother-in-law-suite provisions appear as accessory-use allowances within several zoning districts (notably A-1 Agricultural, where a second single-family dwelling is allowed on parcels >=5 acres under an accessory-dwelling provision, and R-1 Residential where guest houses <=750 sqft without kitchen are permitted). There is no explicit 'ADU' definition aligned with the model Florida s 163.31771 language; guest houses with full kitchens typically require a conditional-use approval. The county has not updated its LDRs in response to the non-binding Florida s 163.31771 framework and has no pending ADU-specific rulemaking on the Board agenda as of 2026-04-20.
County regulatory overlays
Hardee County's county-wide overlays relevant to ADU siting are substantially narrower than coastal Florida counties': (1) FEMA flood-zone coverage is limited to the Peace River and its tributaries (Charlie Creek, Payne Creek, Oak Creek) with most of the rural interior in Zone X; (2) phosphate-mining reclamation overlay covers tens of thousands of acres in eastern and southern Hardee — parcels on former or active mined land require DEP reclamation verification; (3) SWFWMD (not SFWMD) water-management jurisdiction; (4) limited historic overlay — Wauchula's small downtown historic district is municipal only; (5) rural-character overlay provisions in the LDR preserving agricultural-area density floors on parcels >=10 acres. Hardee is NOT in HVHZ (the HVHZ boundary runs along Miami-Dade and Broward only), but still sits within Florida's 150+ mph design-wind-speed region (Florida Building Code Table 1609.3.1) and requires hurricane-zone construction. No CalFire-equivalent WUI overlay, no seismic overlay, no coastal-commission overlay.
County permitting (unincorporated parcels)
The bulk of Hardee County's area (~80%+) is unincorporated agricultural and rural-residential land. ADU-adjacent construction (second dwellings, guest houses, farmworker housing) is permitted by the Hardee County Building Department (part of the Development Services / Building and Zoning offices) at the county courthouse in Wauchula. Hardee uses the Florida Building Code as adopted (no local amendments of substance) and maintains a paper-heavy intake workflow — the county has limited online permit portal capability and most applications are in-person or by mail/email. Expect slower turnaround than coastal urban Florida counties; typical single-family / accessory-dwelling permit review runs 4-8 weeks including septic review by DOH-Hardee.
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
- 33865
Post Office
- 5155 State Road 64 W, 33865