Ridgely

Caroline County portion

ADU Pass helps homeowners in Ridgely, Caroline County, Maryland navigate the permit paperwork for building an accessory dwelling unit. This area covers 2 ZIP codes.

2 ZIP codes
Caroline County — county ADU rules and overlays

County ADU ordinance

Caroline County, MD (population ~33,000; rural Eastern Shore agricultural county whose seat is Denton) regulates accessory dwelling units under Chapter 175 (Zoning), Article IX (Accessory Structures and Uses), Section 175-83. The county code defines an ADU as separate living quarters - with its own kitchen, living, and sleeping areas - located within the principal dwelling or in a detached accessory structure. Owner-occupancy of either the principal or accessory unit is required, and the principal and accessory unit must be in common ownership and cannot be subdivided from each other. The ADU must be located in a side or rear yard, no closer to the front lot line than the principal dwelling, and no more than 100 feet from the principal dwelling if detached. Total habitable area must be at least 400 square feet and not exceed 1,000 square feet, and the ADU cannot be larger than 50% of the principal dwelling. One ADU is permitted per lot. Mobile homes are not permitted as ADUs under Section 175-83 (the county's separate Article VIII governs mobile homes). The 2025 statewide ADU framework (Maryland HB 1466 / SB 891, signed by Governor Wes Moore on 2025-04-21, effective 2025-10-01) requires local-jurisdiction compliance by 2026-10-01; Caroline County's existing Section 175-83 was on the books before HB 1466 and must be conformed to the state floor by that deadline. As of the verification date the county had not yet adopted a HB 1466 conforming amendment.

State-floor overlay: Maryland HB 1466 (2025) establishes a statewide ADU floor that local jurisdictions must conform to by 2026-10-01. Caroline County's pre-existing Section 175-83 is generally permissive but has not yet been amended to align with the HB 1466 framework; the state floor will control to the extent of any conflict.

County regulatory overlays

Caroline County administers three overlay regimes that materially affect ADU project feasibility: (1) the Chesapeake Bay Critical Area, which applies to all land within 1,000 feet of the Choptank River, the Tuckahoe Creek, the Marshyhope Creek, and their tidal tributaries; (2) FEMA NFIP floodplain rules, with floodplain overlay districts established as overlays on the Official Zoning District Maps; and (3) Forest Conservation Act review for projects that disturb 40,000 square feet or more. The Critical Area regime is the most distinctive Caroline County overlay: substantial portions of the southern and western parts of the county (and a corridor along the Choptank through Denton, Greensboro, and Federalsburg) fall inside the 1,000-foot Critical Area envelope, and the Maryland Critical Area Commission's IDA / LDA / RCA classification of a parcel controls density, impervious-coverage caps, and buffer rules for any new structure including an ADU.

County permitting (unincorporated parcels)

The Caroline County Department of Planning and Codes (established 1985) administers zoning and building-permit review for unincorporated Caroline County from offices at 403 South 7th Street, Suite 210, Denton, MD 21629. The department operates a unified planning, zoning, and codes-administration function; it also handles erosion and sediment control, forest conservation, stormwater management, Critical Areas, floodplain management, and addressing. Applications are submitted through the county's online portal at https://caroline.onlama.com/. Inside the eight incorporated municipalities (Denton, Federalsburg, Goldsboro, Greensboro, Henderson, Hillsboro, Preston, Ridgely) the town issues its own building and zoning permits; the county's authority covers only unincorporated territory plus any town that has contracted county services.

DepartmentCaroline County Department of Planning and Codes
Address403 South 7th Street, Suite 210, Denton, MD 21629
Phone410-479-8100
Maryland state — ADU law and programs

State ADU law

Maryland enacted statewide ADU preemption with the Accessory Dwelling Units Act of 2025 — HB 1466 / SB 891 (cross-filed) — passed by the General Assembly in the 2025 Regular Session and effective 2025-10-01. Counties and municipalities with planning and zoning authority must adopt local laws compliant with the Act by 2026-10-01. The Act establishes that it is the policy of Maryland to promote and encourage ADU creation on land with a primary single-family detached dwelling. ADUs are defined as secondary units on the same lot/parcel/tract as a primary single-family detached dwelling, no greater than 75% of the size of the primary dwelling. Counties and municipalities cannot prohibit ADUs or impose unreasonable restrictions on their construction or rental. The 2025 ADU Act ALSO amends the Maryland HOA Act (Title 11B of the Real Property Article), prohibiting community associations from prohibiting or unreasonably restricting ADU construction and rental. The state has been preparing this framework since 2023 (SB 382 created the ADU Policy Task Force, which issued its final report 2024-05-31).

State HOA preemption

Maryland enacted HOA preemption for ADUs as part of the 2025 ADU Act. HB 1466 / SB 891 amended the Maryland Homeowners Association Act (Real Property Article, Title 11B), adding the ADU definition at §11B-101(a-1) and prohibiting HOAs from prohibiting or unreasonably restricting the construction or rental of ADUs on lots with primary single-family detached dwelling units. HOAs retain authority to (a) treat an ADU as a separate lot for voting and assessment purposes (optional, not required) and (b) impose reasonable design and architectural standards consistent with the community's overall character. The HOA preemption became effective 2025-10-01.

State financing programs

Maryland does not currently operate an ADU-specific statewide loan, grant, or forgivable-loan program tied to the 2025 ADU Act. The Maryland Department of Housing and Community Development (DHCD) administers a broad portfolio of homeownership, rental development, and home-repair financing — including the Maryland Mortgage Program, Settlement Downpayment Loan Program, Project Restore (commercial-to-residential conversions), and various Energy & Home Repair loan products. None target ADU construction directly, though Project Restore can fund ADU-like conversions, and the Energy & Home Repair Loan can fund ADU-related electrical, HVAC, and weatherization upgrades.

State housing programs

Maryland's primary state-level ADU program is the 2025 ADU Act framework: statewide preemption requiring local jurisdictions to adopt compliant ordinances by 2026-10-01, including HOA preemption. The Maryland Department of Planning maintains an ADU resource hub with technical assistance for local governments. Maryland does not currently operate a statewide pre-approved ADU plan catalog, an ADU rebate, or an impact-fee waiver statute, but the local-compliance window through 2026-10-01 is expected to produce additional ADU-specific incentive programs.

  • ADU Act 2025 Statewide Floor (HB 1466 / SB 891) — Counties and municipalities with planning/zoning authority must adopt compliant ordinances by 2026-10-01, allowing ADUs on every single-family-detached lot at up to 75% of primary dwelling size. Bars prohibitions and unreasonable restrictions. Includes HOA preemption.
  • Maryland Department of Planning ADU Resource Hub — Resource hub with model ordinances, FAQs for local governments (HB 1466 FAQ), task-force final report, and statewide ADU ordinance inventory.
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 Codes

  • 21639
  • 21660

Post Office

  • 502 Maryland Ave, 21660