Loveland
Clermont County portion
Also in: Hamilton County
ADU Pass helps homeowners in Loveland, Clermont County, Ohio navigate the permit paperwork for building an accessory dwelling unit. This area covers 1 ZIP code.
Map
Clermont County — county ADU rules and overlays
County ADU ordinance
Clermont County, Ohio (~210,000 residents; eastern suburban county of the Cincinnati metropolitan area; county seat Batavia (village); 14 townships including Batavia, Franklin, Goshen, Jackson, Miami, Monroe, Ohio, Pierce, Stonelick, Tate, Union, Washington, Wayne, and Williamsburg; incorporated villages Batavia, Bethel, Chilo, Felicity, Moscow, Neville, New Richmond, Newtonsville, Owensville, Williamsburg; cities Loveland (multi-county; mostly Hamilton) and Milford (mostly in Clermont); plus the dissolved village of Amelia which voted to dissolve in 2019 and reverted to Pierce and Batavia townships) does NOT operate a countywide zoning ordinance and has not adopted county-tier zoning under O.R.C. Chapter 303. Ohio is a home-rule state under Article XVIII of the Ohio Constitution; counties may adopt county zoning under O.R.C. Chapter 303 but most do not (Lake County is the canonical Ohio county that does), and Clermont County is among the majority that have not. Land-use authority in unincorporated Clermont County is therefore delegated to township-tier zoning under O.R.C. Chapter 519. Unlike most rural Ohio counties, Clermont's suburban-Cincinnati townships have ROBUST township-tier zoning resolutions in force - Union Township (Eastgate area), Pierce Township, Miami Township, Goshen Township, and Batavia Township all administer comprehensive zoning resolutions because the urbanized I-275 / SR-32 / SR-125 corridors generate sustained development pressure. The rural eastern and southern townships (Tate, Monroe, Franklin, Ohio, Washington, Wayne) tend toward looser or partial zoning. ADU permissibility in unincorporated Clermont County therefore turns on (1) which township the parcel sits in and that township's specific zoning resolution, (2) the parcel's zoning district within that township (most R-1 / R-2 districts permit one principal dwelling per lot and do not list ADU as a permitted accessory use, requiring a variance from the township Board of Zoning Appeals), (3) septic capacity under Ohio General Health District / Clermont County Public Health rules (OAC 3701-29), and (4) floodplain status under the county's 2012 floodplain regulations administered through Permit Central. The county's primary land-use role is operating Permit Central, a one-stop residential building-permit office certified by the Ohio Board of Building Standards that serves the entire county including villages and most townships under inter-governmental agreements.
County regulatory overlays
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
- 45140
Post Office
- 200 Loveland Madeira Rd, 45140