Charles City County
ADU Pass helps homeowners in Charles City County, Virginia navigate the permit paperwork for building an accessory dwelling unit. We cover 2 cities and 2 ZIP codes in this county.
Map
County ADU details
County ADU ordinance
Charles City County is one of Virginia's eight original shires established in 1634 and is a true county (not an independent city, despite the name 'Charles City' which refers to the unincorporated community that serves as the county seat). It is a small rural county on the north bank of the James River between Richmond (west) and Williamsburg (east), and is part of the historic Tidewater Virginia Plantation country with several National Historic Landmark plantations along Virginia State Route 5 (including Berkeley, Shirley, Westover, and Sherwood Forest plantations). Charles City County regulates accessory dwelling units through its County Code zoning ordinance, administered by the Charles City County Department of Planning and Zoning under the authority of the Charles City County Board of Supervisors. Virginia is a Dillon Rule state and the General Assembly has not enacted any statewide ADU preemption; Charles City 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 zoning ordinance establishes use districts (Agricultural A-1 / A-2, Residential R-1 / R-2, Commercial B-1, Industrial M-1, and overlay districts including Resource Protection Areas under the Chesapeake Bay Preservation Act). A second dwelling on a single residential parcel is not a permitted-by-right use in the standard residential districts; ADU-style second dwellings are typically pursued through (a) family/kinship-dwelling provisions where the second dwelling is occupied by a family member, (b) a discretionary Special Use Permit approved by the Board of Supervisors following Planning Commission recommendation, or (c) minor subdivision creating a separate buildable lot. The county does not have a standalone ministerial ADU ordinance. Charles City County has no incorporated towns or cities; every parcel is unincorporated and subject solely to county jurisdiction.
Code citations:
- Charles City County Code — Zoning Ordinance
- Charles City County Department of Planning and Zoning
- Charles City County Board of Supervisors — adopting body for zoning ordinance amendments and Special Use Permits
- Charles City County Planning Commission
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 broad authority to regulate land use, and § 15.2-2286 enumerates the specific ordinance provisions that may be included. Neither statute mandates that a locality permit ADUs, requires ministerial review, caps parking, caps fees, or voids owner-occupancy requirements. Charles City County is therefore free to permit, restrict, or prohibit second dwellings under its zoning ordinance.
Adopting body: Charles City County Board of Supervisors
County permitting (unincorporated parcels)
The Charles City County Department of Planning and Zoning (zoning administration, Chesapeake Bay Preservation Area review) and the county Building Inspections office (building permits and inspections) together serve as the permitting authority for all parcels in the county. Charles City County has no incorporated towns or cities — every parcel is unincorporated. Charles City County comprises approximately 204 square miles of low-lying coastal-plain terrain on the north bank of the James River, with the Chickahominy River forming much of the northern boundary and the James River the southern boundary. The 2020 Census population was approximately 6,900, making it one of Virginia's smaller counties by population. The county is famously the location of several National Historic Landmark colonial-era plantations along the John Tyler Memorial Highway / Virginia Route 5, designated a Virginia Scenic Byway. The county has historic ties to the Pamunkey, Mattaponi, and Chickahominy tribes and is home to the Chickahominy Indian Tribe (federally recognized in 2018). For an ADU-style project, the typical sequence is: (a) zoning determination from Planning and Zoning, including Chesapeake Bay Preservation Area determination; (b) if a Special Use Permit is required, application to Planning Commission and Board of Supervisors; (c) building permit application to the county building official under the Virginia Uniform Statewide Building Code; (d) inspections through construction; (e) certificate of occupancy. Most parcels are not served by public utilities and require well and septic approval through the Virginia Department of Health (Chickahominy Health District).
Process overview: Charles City County's ADU-style permitting process varies by project pathway: (1) Family/kinship dwelling — if the second dwelling is occupied by a family member of the primary-dwelling occupant, the zoning administrator may issue an administrative zoning approval, followed by a standard building permit; this is the fastest path, typically 4-8 weeks end-to-end. (2) Special Use Permit for a rental or non-kin second dwelling — application submitted with site plan, statement of use, and filing fee. The Planning Commission holds a public hearing (advertised per Va. Code § 15.2-2204) and makes a recommendation. The Board of Supervisors holds its own public hearing and votes. The entire SUP process typically takes 60-120 days. (3) Minor subdivision — the subdivision ordinance applies. (4) Chesapeake Bay Preservation Area review — Charles City County is fully within the Tidewater area covered by the Chesapeake Bay Preservation Act (Va. Code § 62.1-44.15:67 et seq., and 9 VAC 25-830 regulations). Resource Protection Areas (RPAs) — typically a 100-foot vegetated buffer landward of perennial streams, tidal shores, and connected wetlands — and Resource Management Areas (RMAs) covering the rest of the county materially constrain ADU siting; new construction in RPAs is generally prohibited absent an exception or variance, and RMA construction must comply with stormwater and impervious-cover limits. (5) Building permits require compliance with the Virginia Uniform Statewide Building Code. (6) Well and septic approval is administered by the Virginia Department of Health (Chickahominy Health District).
Impact fees: Virginia localities generally do not levy impact fees of the type used in California or Florida; Va. Code § 15.2-2317 et seq. road impact fees are restricted to specific high-growth counties and Charles City County is not on the eligible list. Cash proffers tied to rezoning applications are constrained by Va. Code § 15.2-2303.4 (2016). For an ADU built on an existing parcel without rezoning, the applicant pays building-permit fees, any SUP application fee if applicable, and state and local permit surcharges. (schedule)
County assessor
Charles City County real property is assessed under the supervision of the Charles City County Commissioner of the Revenue, with periodic general reassessments conducted by county staff or by a contracted mass-appraisal firm. Tax administration is handled by the Commissioner of the Revenue's office; collection is handled by the Charles City County Treasurer. Virginia law requires general reassessment of real property at least once every four years for most counties (Va. Code § 58.1-3252). Virginia uses a fair-market-value assessment system. When an ADU is added to an existing parcel, the new structure is added to the assessment roll at its contributory fair market value as a supplemental assessment.
Assessment policy: Virginia is a fair-market-value assessment state; a new ADU is added to the assessment roll at its contributory fair market value as a supplemental assessment effective from completion (building permit final inspection) through the balance of the tax year. The primary dwelling's prior assessed value is not automatically reset by the addition of the ADU. At the next general reassessment, both structures are re-valued at current fair market value. Property-tax rates are set annually by the Charles City County Board of Supervisors. The county's tax base benefits significantly from large industrial assessed-value contributors (notably the Dominion Energy Charles City Power Station and various waste-management and resource-recovery facilities), which underwrite a relatively low residential rate.
County overlays (7)
Charles City County administers or is subject to several overlay regimes that materially affect ADU siting on parcels: (1) Chesapeake Bay Preservation Act — the county is fully within the Tidewater area covered by the CBPA (Va. Code § 62.1-44.15:67 et seq.) and applies Resource Protection Areas (RPAs) and Resource Management Areas (RMAs) that materially constrain ADU siting near streams, wetlands, and tidal shores; (2) FEMA Special Flood Hazard Areas along the James River, the Chickahominy River, and various tidal and non-tidal tributaries — the county has substantial low-elevation tidal frontage subject to NFIP regulation; (3) Historic district and scenic byway considerations — Virginia Route 5 (John Tyler Memorial Highway) is a designated Virginia Scenic Byway, and the county hosts several National Historic Landmark plantations (Berkeley, Shirley, Westover, Sherwood Forest among others) plus the Charles City Court House Historic District; (4) Federally recognized tribal interests — the Chickahominy Indian Tribe (federally recognized 2018) has tribal lands and cultural-resources interests within and adjacent to the county; (5) Land use taxation (use-value assessment) under Va. Code § 58.1-3230 et seq. is widely used given the county's agricultural base; (6) Agricultural and Forestal Districts under Va. Code § 15.2-4300 et seq.; (7) the county does not have a separate Wetlands Board zoning regime under Va. Code § 28.2-1300 et seq. that some Tidewater localities have adopted, but tidal wetlands remain regulated at the state level by the Virginia Marine Resources Commission; (8) Virginia DEQ stormwater and erosion-and-sediment-control regulations apply.
- Chesapeake Bay Preservation Act — Resource Protection Areas and Resource Management Areas — Charles City County is fully within the Tidewater area covered by the Chesapeake Bay Preservation Act and has adopted CBPA implementing provisions in its zoning ordinance. Resource Protection Areas (RPAs) — typically a 100-foot vegetated buffer landward of perennial streams, tidal shores, and connected wetlands — generally prohibit new development absent an exception or variance. Resource Management Areas (RMAs) — covering the rest of the county outside RPAs — require compliance with stormwater management, impervious-cover limits, and erosion controls. ADU siting in Charles City County is materially constrained by RPA boundaries: a parcel with significant water frontage may have most of its developable area inside the RPA, leaving only a narrow buildable zone away from the water. RPA and RMA determinations are made by Planning and Zoning staff; an exception process is available in narrow circumstances. CBPA compliance is the single most important overlay constraint in this county.
- FEMA National Flood Insurance Program — Special Flood Hazard Areas (tidal and non-tidal) — Charles City County participates in the National Flood Insurance Program. Principal Special Flood Hazard Area (SFHA) extents in the county include extensive tidal and non-tidal frontage on the James River and the Chickahominy River, plus low-elevation tributary streams. Coastal A and V zones may apply on tidal frontage where wave action is significant. An ADU in an SFHA must comply with NFIP elevation requirements, flood vent requirements on enclosed areas below BFE, anchoring requirements, and post-construction Elevation Certificate filing. Sea-level rise considerations are increasingly relevant for long-term planning on tidal frontage.
- Virginia Route 5 / John Tyler Memorial Highway — Virginia Scenic Byway and historic plantation corridor — Virginia State Route 5 (John Tyler Memorial Highway) traverses the entire length of Charles City County between Richmond and Williamsburg and is designated a Virginia Scenic Byway. The corridor is lined by several National Historic Landmark plantations including Berkeley Plantation (birthplace of Benjamin Harrison and William Henry Harrison), Shirley Plantation (the oldest family-owned business in North America), Westover Plantation, and Sherwood Forest Plantation (home of President John Tyler). The county's zoning treatment along the corridor reflects the historic and scenic significance, with limited commercial development and design considerations encouraged. ADU projects on parcels visible from Route 5 may face additional review for scenic-corridor impact, though no formal historic-district zoning overlay applies countywide.
- Land use taxation (use-value assessment) and roll-back tax — Charles City County participates in Virginia's land-use taxation program. Many large agricultural and forestal parcels are enrolled. Building a non-agricultural ADU on an enrolled parcel triggers conversion of the affected acreage to fair-market-value assessment plus a five-year roll-back tax under Va. Code § 58.1-3237. ADU planning on land-use parcels must include a roll-back tax calculation.
- Virginia Stormwater Management Program (VSMP) and Erosion & Sediment Control — Land-disturbing activity exceeding state-defined thresholds requires a VSMP permit and an ESC plan. Single-family residential exemptions apply in some cases. Charles City County is the local administering authority. CBPA compliance overlaps with VSMP and ESC requirements.
- Tidal wetlands — Virginia Marine Resources Commission jurisdiction — Tidal wetlands in Charles City County are subject to state-level regulation by the Virginia Marine Resources Commission (VMRC). The county has not, as of 2026-04-27, established a local Wetlands Board to assume primary jurisdiction (as some Tidewater localities have done), so VMRC retains primary regulatory authority over tidal wetlands. Any ADU project that would impact tidal wetlands or require dredge-and-fill activity in tidal waters requires VMRC permitting in addition to county and federal Clean Water Act § 404 review.
- Federally recognized tribal interests — Chickahominy Indian Tribe — The Chickahominy Indian Tribe achieved federal recognition in 2018 (along with five other Virginia tribes via the Thomasina E. Jordan Indian Tribes of Virginia Federal Recognition Act). Tribal interests in cultural resources, ancestral land, and tribal-trust lands are increasingly relevant to land-use decisions in the historical Chickahominy territory, which includes substantial portions of Charles City County. ADU projects involving land-disturbing activity on parcels with potential cultural-resources significance may require coordination with the tribal historic preservation office, particularly when federal funding or federal permits are involved (triggering NHPA § 106 review).
Known county issues (5)
- policy-review — Homeowners cannot rely on a ministerial ADU-by-right approval path; most rental-ADU projects will require a discretionary Special Use Permit (60-120 day public-hearing process) or a minor subdivision.
- other — ADU siting in Charles City County must include an RPA delineation and an analysis of available buildable area outside the RPA. Some parcels with apparent buildable area on a survey actually have very limited buildable footprint when RPA constraints are applied. RPA exceptions are narrowly available and require staff and (often) Board review.
- other — ADU projects on or near tidal frontage face elevated construction costs (elevation, flood-resistant materials, anchoring) and potentially declining long-term insurability. Owners should consider sea-level rise projections in long-term ADU siting decisions, particularly for any low-elevation tidal-frontage parcel.
- other — ADU projects on agriculturally- or forestally-classified parcels must include a roll-back tax calculation in the project budget. The Commissioner of the Revenue can provide a parcel-specific estimate.
- staffing-shortage — ADU applicants should plan for variability in review timelines and coordinate meeting schedules with the Planning Commission and Board of Supervisors meeting calendar. Pre-application meetings and complete initial submissions are particularly valuable.
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.