Huddleston

ADU Pass helps homeowners in Huddleston, Bedford County, Virginia navigate the permit paperwork for building an accessory dwelling unit. This area covers 1 ZIP code.

1 ZIP code

ADU details

ADU legality: with-restrictions

Statewith-restrictions (Virginia accessory-dwelling framework — no statewide preemption) — Virginia is a Dillon Rule state. Va. Code § 15.2-2280 grants counties broad zoning authority; § 15.2-2286 enumerates ordinance-content powers. No statewide ADU preemption mandates by-right ADUs, ministerial review, or fee ceilings. ADU preemption bills have been introduced in multiple recent General Assembly sessions without enactment.
Countywith-restrictions (Bedford County Code Chapter 30 — Zoning Ordinance) — Bedford County permits second dwellings primarily through (a) family/kinship exemptions under Chapter 30, (b) Special Use Permit, or (c) minor subdivision; no standalone ADU ordinance.
Citywith-restrictions (Huddleston is unincorporated — county ordinance governs) — No municipal zoning. Bedford County Department of Community Development is the sole permitting authority.

ADU feasibility on Huddleston parcels is driven primarily by district lot-area sufficiency and VDH onsite-sewage capacity.

Cost scenarios

ScenarioSq ft PermitBuildTotal
minimum 200 $2,300 $50,000 $52,300
600 600 $2,300 $150,000 $152,300
midpoint 600 $2,300 $150,000 $152,300
maximum 1,000 $2,500 $250,000 $252,500
Fee breakdown
Plan review$425
Building permit$950
Total$2,300

Viability (permitted uses)

  • Long-term rental: yes Long-term rental of an ADU is permitted; Virginia Residential Landlord and Tenant Act applies.
  • Short-term rental: with-restrictions Bedford County zones STR as a separately classified use; transient-occupancy tax applies under Va. Code § 58.1-3819 et seq. Huddleston is a Smith Mountain Lake community; lake-frontage parcels command premium STR rates ($300+/night peak season) and substantial vacation-home demand.
  • Office rental: with-restrictions Detached office rental requires home occupation permit or different district classification.
  • Home office: yes Home occupation permitted with restrictions on signage and customer traffic.
  • Studio / workshop: yes Personal artist or craft studio is a permitted accessory use.
  • Agriculture: yes Agricultural uses are by-right in the GA / Agricultural districts.
  • Relative support: yes Family-occupancy ADU is the most permissive accessory-dwelling pathway.

Incentives

Utilities

  • Water: Private well (most parcels) · 60d connect · $8,500
  • Sewer: Private septic via VDH Central Virginia Health District · 60d connect · $12,500
  • Electric: Appalachian Power / Dominion Energy / cooperative · 21d connect · $1,800
  • Gas: Propane (no natural-gas main) · 14d connect · $1,500

Property values & taxes

Median value$320,000
Median tax$2,176/yr
Effective rate0.7%

Construction timeline

Detached build25 weeks
Conversion14 weeks
Contractor lead5 months

Realistic total: best 8mo · typical 11mo · worst 16mo

Financing

Insurance impact

Annual premium delta$380
Landlord policyrecommended
Umbrella threshold$1M umbrella when renting

HOA prevalence & preemption

State HOA preemptionno

Virginia has no HOA-ADU preemption (Va. Code Title 55.1). Subdivision covenants in newer developments commonly restrict accessory dwellings; review the recorded declaration.

Regulatory overlays (2)

  • flood-zone
    Smith Mountain Lake project boundary and FEMA SFHA on lake-frontage parcels.
  • other
    Lake-frontage parcels within the FERC project boundary require Appalachian Power SMP permits for any structure within the boundary; this is the controlling additional permit beyond county zoning. Pre-application contact with Appalachian Power Shoreline Management is essential.
Technical envelope (climate & building code)

Climate & energy code

IECC climate zone4A
Heating degree days4,400
Cooling degree days1,300
Design low / high12°F / 91°F
Frost depth16"
Design snow load20 psf
Wind design speed115 mph
Seismic design cat.B
Annual rainfall41"
Wildfire exposurelow
Energy codeIECC
Version / adopted2018 / 2021

Building code

Base codeIRC
Version year2,018
Adopted2021
Fire sprinklernone
Egress window5.7 sqft min
Min ceiling7 ft
Attic R-valueR-49 min
Wall R-valueR-20 min

Amendments:

  • Amendment

Known issues (2)

  • other — Begin with a VDH-authorized OSE evaluation before committing to an ADU pro forma.
  • other — Begin with Appalachian Power Shoreline Management contact in parallel with Bedford County zoning; SMP review can take 60-120 days independent of county timelines.
Bedford County — county ADU rules and overlays

County ADU ordinance

Bedford County regulates accessory dwelling units through its county Zoning Ordinance (Chapter 30 of the Bedford County Code), administered by the Bedford County Department of Community Development under the authority of the Bedford County Board of Supervisors. Virginia is a Dillon Rule state and the General Assembly has not enacted any statewide ADU preemption; Bedford County's authority to regulate or prohibit ADUs derives solely from the general zoning enabling statute at Va. Code § 15.2-2280 and the ordinance-content provisions of § 15.2-2286. The county ordinance permits accessory structures and, in most residential zoning districts (Agricultural AG, Residential R-1, R-2, R-3, R-4), permits a single dwelling per lot unless specifically authorized; a true detached second dwelling on a single parcel requires either a family/kinship-dwelling exemption, a special-use permit, a two-family dwelling district designation, or lot subdivision. 'Guest house' and 'family care home' categories appear in the ordinance for related-occupant uses. The county does not have a standalone ministerial ADU ordinance of the California / Oregon / Washington type — ADU-style second dwellings in Bedford County are typically approved either (a) as kinship/family dwellings under the family-kinship provisions in the zoning ordinance, (b) via Special Use Permit approved by the Board of Supervisors following Planning Commission recommendation, or (c) by recording a minor subdivision to place the ADU on its own lot. The practical effect is that a homeowner cannot rely on an 'ADU by-right' framework; each project is subject to zoning-district analysis and, in the common case of a non-kin renter, a discretionary Special Use Permit process. Note that the former independent City of Bedford reverted to town status effective July 1, 2013, and is now the Town of Bedford within Bedford County; the Town of Bedford has its own zoning ordinance that governs parcels within town limits, separate from this county ordinance.

State-floor overlay: Virginia has not enacted any statewide ADU preemption statute. Virginia is a Dillon Rule state (see Commonwealth v. County Bd. of Arlington County, 217 Va. 558 (1977)); localities have only those powers expressly granted by the General Assembly. The general zoning enabling statute at Va. Code § 15.2-2280 grants counties, cities, and towns broad authority to regulate land use, and § 15.2-2286 enumerates the specific ordinance provisions that may be included. Neither statute, nor any section of Title 15.2 Chapter 22 Article 7, mandates that a locality permit ADUs, requires ministerial review of ADU applications, caps parking requirements, caps fees, or voids owner-occupancy requirements. Bedford County is therefore free to permit, restrict, or prohibit second dwellings under its zoning ordinance within the ordinary constitutional limits on land-use regulation. ADU preemption bills have been introduced in the Virginia General Assembly in multiple recent sessions (2022-2025) without enactment; the statewide regulatory picture at the county level is unchanged.

County regulatory overlays

Bedford County administers or is subject to several overlay regimes that materially affect ADU siting on unincorporated parcels: (1) Smith Mountain Lake shoreline management — a large reservoir impounded by Appalachian Power Company's Smith Mountain Pumped Storage Project under FERC license; shoreline development on lake-frontage parcels is subject to Appalachian Power's Shoreline Management Plan (SMP) in addition to county zoning, which materially constrains accessory structures and second dwellings near the shoreline; (2) FEMA Special Flood Hazard Areas along the Roanoke River, Goose Creek, Beaverdam Creek, Otter River, and Smith Mountain Lake backwaters, with NFIP floodplain regulations administered through the county's floodplain ordinance; (3) Blue Ridge Parkway and George Washington & Jefferson National Forest adjacency in the western/northwestern part of the county — federal land-management agencies do not directly regulate private parcels, but scenic-corridor considerations and National Park Service / U.S. Forest Service easement interests affect some parcels; (4) Agricultural and Forestal Districts (AFDs) established under Va. Code § 15.2-4300 et seq., which provide participating landowners use-value taxation and subdivision-deferral protections in exchange for a commitment to keep land in agricultural or forestal use — an ADU on an AFD-enrolled parcel is permitted but subject to AFD-specific review; (5) Chesapeake Bay Preservation Act applicability — Bedford County is NOT in the Tidewater area covered by the Chesapeake Bay Preservation Act (Va. Code § 62.1-44.15:67 et seq.), so Resource Protection Areas (RPAs) and Resource Management Areas (RMAs) do not apply; (6) wildfire risk — Bedford County has wildfire risk tracked by the Virginia Department of Forestry, particularly in the western mountainous areas, but Virginia does not have a California-style Very High Fire Hazard Severity Zone regulatory overlay with mandatory ignition-resistant-construction requirements (the Virginia Statewide Building Code does incorporate limited wildland-urban interface provisions for designated areas). Bedford County does not have a historic district overlay of the federal or state type covering large portions of the unincorporated county, though individual properties may be listed on the Virginia Landmarks Register or National Register.

  • Smith Mountain Lake Shoreline Management Plan (Appalachian Power / FERC) — Smith Mountain Lake is an artificial reservoir created by the Smith Mountain Dam and Leesville Dam, owned and operated by Appalachian Power Company (a subsidiary of AEP) under a Federal Energy Regulatory Commission license. Bedford County shares lake frontage with Franklin County and Pittsylvania County. Appalachian Power administers a Shoreline Management Plan (SMP) that establishes permitting requirements for docks, boathouses, shoreline stabilization, vegetation clearing, and any structure within the licensed project boundary (below the 800-foot contour, approximately). For an ADU-style project proposed on a lake-frontage parcel, the Appalachian Power SMP is the controlling additional permit beyond county zoning: accessory structures within the project boundary require an SMP permit, and structures above the project boundary but on lake-frontage parcels are still subject to the county's lake-overlay zoning and any subdivision covenants. This is the single most distinctive county-level overlay in Bedford County for ADU purposes. Owners of lake-frontage parcels should contact Appalachian Power Shoreline Management in Roanoke as well as Bedford County Community Development at the earliest planning stage.
  • FEMA National Flood Insurance Program — Special Flood Hazard Areas — Bedford County participates in the National Flood Insurance Program and administers a county floodplain ordinance satisfying the NFIP minimum standards. Principal Special Flood Hazard Area (SFHA) extents in the county are along the Roanoke River (the southern border area, and the backwaters of Smith Mountain Lake), Goose Creek, Beaverdam Creek, Otter River, and various smaller tributaries. An ADU in an SFHA must comply with NFIP elevation requirements (lowest finished floor at or above Base Flood Elevation plus any county freeboard), flood vent requirements on enclosed areas below BFE, anchoring requirements, and post-construction Elevation Certificate filing. Owners should confirm current-effective FIRM panel at the FEMA Map Service Center before design; FEMA periodically updates Virginia county maps.
  • Virginia Agricultural and Forestal Districts (local option under state law) — Bedford County has established Agricultural and Forestal Districts under the state AFD Act. Enrollment is voluntary; participating landowners commit to keeping land in agricultural or forestal use for a period (typically 4-10 years) in exchange for use-value assessment (Va. Code § 58.1-3230 et seq.) and limited protection from certain governmental actions that would disrupt agricultural use. An ADU on an AFD-enrolled parcel is generally permitted if it is an accessory use to continued agricultural operation (e.g., a farm-labor dwelling or family-kinship dwelling), but non-agricultural commercial-rental ADUs may conflict with AFD purposes and trigger AFD committee review. Owners should consult the Bedford County AFD Advisory Committee and the zoning administrator before assuming ADU compatibility.
  • Virginia Department of Forestry wildfire risk and Virginia Statewide Building Code WUI provisions — Virginia has wildfire risk in the Blue Ridge and Appalachian counties, and Bedford County's western mountainous edge adjacent to the George Washington & Jefferson National Forest and Blue Ridge Parkway has elevated wildfire exposure. Unlike California, Virginia does not have a statewide Very High Fire Hazard Severity Zone overlay that mandates WUI-rated construction materials on a per-parcel basis. The Virginia Department of Forestry publishes wildfire risk assessments and promotes defensible-space practices, but enforcement is advisory rather than regulatory. The Virginia Uniform Statewide Building Code, which is the single statewide building code (localities cannot impose more stringent building standards), does include Appendix K of the International Wildland-Urban Interface Code only where adopted; Virginia has not statewide-adopted the IWUIC. Owners in wildfire-exposed Bedford County locations should follow best practices but face no locality-imposed WUI construction overlay analogous to California Chapter 7A.
  • Blue Ridge Parkway and George Washington & Jefferson National Forest adjacency — Bedford County's western edge includes Blue Ridge Parkway frontage and George Washington & Jefferson National Forest boundary. These are federal lands managed by the National Park Service and U.S. Forest Service respectively; federal regulation applies to activities within the federal boundary, not to private parcels outside it. However, county zoning has historically used scenic-corridor overlay protections along portions of the Parkway corridor to limit visual impacts on the Parkway viewshed (per National Park Service cooperative policy), and individual deed restrictions or scenic easements may apply to specific parcels along the corridor. Owners of parcels adjacent to the Parkway should check the zoning overlay (if any) in effect for their specific parcel and any recorded scenic easements.

County permitting (unincorporated parcels)

The Bedford County Department of Community Development is the sole permitting authority for building permits, zoning permits, and Special Use Permits on parcels within the unincorporated county (i.e., parcels outside the Town of Bedford corporate limits). Bedford County comprises approximately 764 square miles of mixed rural, agricultural, and suburban territory in central/southwestern Virginia, including significant frontage on Smith Mountain Lake (shared with Franklin County and Pittsylvania County) and bordering the City of Lynchburg to the east. The Town of Bedford (county seat) is the only incorporated place inside the county; all other populated places (Forest, Moneta, Huddleston, Montvale, Stewartsville, Goodview, Thaxton, Goode, etc.) are unincorporated communities permitted by the county. For an ADU-style project in the unincorporated county, the typical sequence is: (a) zoning determination (permitted by right as a family/kinship dwelling, permitted via Special Use Permit, or prohibited); (b) if SUP required, application to the Planning Commission and Board of Supervisors; (c) building permit application to the county building official; (d) inspections through construction; (e) certificate of occupancy. Applicants should expect a substantially longer timeline than a first-dwelling build if an SUP is required, because the SUP process is a public-hearing process with statutory notice requirements under Va. Code § 15.2-2285.

DepartmentBedford County Department of Community Development
Address122 East Main Street, Suite 202, Bedford, VA 24523 (County Administration Building)
Phone540-586-7616
Virginia state — ADU law and programs

State ADU law

Virginia has NOT enacted a statewide ADU preemption law. Virginia is a Dillon Rule state — localities possess only those powers expressly granted by the General Assembly — and the statutes granting zoning authority (Va. Code § 15.2-2280 et seq.) leave ADU regulation to local ordinances. ADU permission, setbacks, parking, size, and owner-occupancy rules therefore vary by county, independent city, and town. Virginia is unique in that it has 38 independent cities that function as counties (neither in nor subordinate to the surrounding county), meaning 'the county' for any given Virginia property may be an independent city rather than a true county. Several ADU preemption bills have been introduced in recent General Assembly sessions (2022 through 2025) without enactment; none have advanced past committee as of the Assembly's 2026 regular session adjournment.

State financing programs

Virginia does not operate an ADU-specific statewide loan, grant, or forgivable-loan program. Virginia Housing (formerly the Virginia Housing Development Authority, VHDA — rebranded 2020) administers general first-time-homebuyer, down-payment-assistance (DPA), mortgage-credit-certificate, and rehabilitation products that can be applied to ADU-adjacent purchases or improvements when eligibility criteria are met, but none target ADU construction as a distinct product. The Virginia Department of Housing and Community Development (DHCD) administers federal HOME and CDBG pass-through funds that local jurisdictions can direct toward ADU-adjacent rehab, but there is no state-level ADU-dedicated line item. Federally available products (FHA 203(k), Fannie Mae HomeReady and HomeStyle Renovation, Freddie Mac CHOICERenovation) remain the primary ADU financing path for Virginia homeowners.

State housing programs

Virginia does not run a state-level pre-approved-ADU-plan catalog, statewide impact-fee-waiver statute for ADUs, or streamlined-review mandate. State-level programs that touch ADU-adjacent policy are coordinated primarily through the Department of Housing and Community Development (DHCD) and Virginia Housing, and act by funding or assisting local jurisdictions rather than by preemption. Local ADU activity — Arlington County's Accessory Dwellings program (detached ADUs permitted since 2008, liberalized 2020), Alexandria's accessory-dwelling ordinance, Fairfax County's accessory-living-unit program, and Charlottesville's 2021 zoning-code changes — is authorized under the localities' Va. Code § 15.2-2280 zoning authority, not by state mandate.

  • DHCD Community Development Block Grant (CDBG) Program — Federal CDBG funds administered by DHCD to eligible non-entitlement Virginia localities for community-revitalization, housing-rehab, and infrastructure projects. Not ADU-specific. Participating localities can direct CDBG funds toward housing-rehab projects where local policy supports ADUs.
  • DHCD HOME Investment Partnerships Program — Federal HOME funds administered by DHCD to Virginia participating jurisdictions and non-profits for affordable-housing acquisition, rehab, and new construction. Not ADU-specific; can be directed to ADU-adjacent rehab at local discretion.
  • Virginia Housing Commission — Permanent advisory commission of the General Assembly that studies housing-policy questions and recommends legislation. Has periodically studied ADU preemption and missing-middle housing without recommending statewide enactment as of 2026-04-21.
  • Local ADU ordinances under Va. Code § 15.2-2280 authority — Not a state program — listed here because Virginia ADU policy is executed entirely at the locality level under the § 15.2-2280 zoning grant. A homeowner seeking to build an ADU consults the zoning ordinance of the specific county, city, or town where the parcel is located.
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

  • 24104

Post Office

  • 1080 Tolers Ferry Rd, 24104