Cartersville

ADU Pass helps homeowners in Cartersville, Cumberland 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: allowed-with-restrictions

Stateunclear (Virginia accessory-dwelling framework (Dillon Rule)) — Virginia has not enacted statewide ADU preemption. Va. Code Section 15.2-2280 grants counties, cities, and towns broad zoning authority subject to planning-commission procedure, hearing, and enabling-ordinance requirements (Dillon Rule). No statewide floor mandates ADU permissibility, ministerial review, minimum allowed size, or parking-requirement ceilings. Localities can prohibit ADUs entirely through their zoning ordinances. ADU bills introduced in 2022-2025 General Assembly sessions have not been enacted.
Countywith-restrictions (Cumberland County Zoning Ordinance) — Cumberland County is a rural Piedmont county between Richmond and Farmville with a population of approximately 9,800. The county zoning ordinance regulates accessory dwellings under Va. Code Section 15.2-2280 zoning authority. Most parcels carry Agricultural / R-1 zoning; family-dwelling exemptions and Special Use Permits are the typical ADU pathways. Cumberland State Forest and Bear Creek Lake State Park occupy a substantial federal/state footprint in the northern county. The Town of Farmville straddles the Cumberland / Prince Edward county line; most of Farmville and Longwood University are on the Prince Edward side.
Citywith-restrictions (Cartersville (unincorporated) - Cumberland County zoning applies) — Cartersville is a small unincorporated community in northern Cumberland County on the south bank of the James River, opposite Goochland County. The Cartersville Historic District (NRHP) preserves several antebellum structures. No town government; Cumberland County zoning governs. James River SFHA exposure applies to riverfront parcels.

Cartersville ADUs are permitted under Cumberland County zoning subject to family-dwelling exemption or SUP. James River flood-zone elevation and historic-district design review on village parcels are additional considerations.

Cost scenarios

ScenarioSq ft PermitBuildTotal
minimum 150 $1,635 $34,950 $36,585
600 600 $1,635 $139,800 $141,435
midpoint 525 $1,635 $122,325 $123,960
maximum 900 $1,635 $209,700 $211,335
Fee breakdown (as of 2026-04)
Plan review$525
Building permit$945
Impact fees$165
Total$1,635

Permitting process

Typical duration100 days
Backlog20 days

Viability (permitted uses)

  • Long-term rental: yes Long-term rental of an ADU is generally permitted; Virginia landlord-tenant law (Va. Code Section 55.1-1200 et seq., the Virginia Residential Landlord and Tenant Act) governs.
  • Short-term rental: with-restrictions Cumberland County regulates STRs through its zoning ordinance and Transient Occupancy Tax regime; check current rules with the Planning Department.
  • Office rental: with-restrictions Detached office rental requires a home-occupation permit or rezoning under home-occupation provisions.
  • Home office: yes Home occupation is permitted in residential and rural districts with restrictions on signage, customer traffic, and outside storage.
  • Studio / workshop: yes Personal studio (artist, music, woodworking) is a permitted accessory use in residential and agricultural districts.
  • Agriculture: yes Agricultural / Rural Preservation districts expressly permit farm structures and the keeping of livestock subject to setback rules.
  • Relative support: yes Family / multi-generational accessory dwelling is the most common pattern and is expressly permitted in residential and rural districts.

Contacts

DepartmentCumberland County Department of Planning and Zoning

Staff: Planning Counter (Zoning Administrator / Planning Permit Intake), Building Inspections (Building Official)

Utilities

  • Water: Mostly private well (typical rural Cumberland County parcels) · 60d connect · $8,500
  • Sewer: Mostly private septic (typical rural Cumberland County parcels) · 90d connect · $12,500
  • Electric: Dominion Energy Virginia and Southside Electric Cooperative · 30d connect · $2,400
  • Gas: Bottled propane (no natural-gas distribution in Cumberland County) · 21d connect · $2,000

Property values & taxes

Median value$175,000
Median tax$1,365/yr
Effective rate0.8%

Construction timeline

Detached build28 weeks
Conversion16 weeks
Contractor lead4 months

Realistic total: best 8mo · typical 12mo · worst 20mo

Modular pathway inspectors are occasional with modular

Financing

Insurance impact

Annual premium delta$480
Landlord policyrecommended
Umbrella threshold$1M umbrella when renting; flood-zone or installation-adjacency exposure can drive premium upward.

HOA prevalence & preemption

State HOA preemptionno

Virginia has no HOA-ADU preemption. Most rural Cumberland County parcels are not in an HOA. Newer subdivisions may carry HOA covenants that often restrict accessory dwellings.

Regulatory overlays (2)

  • flood-zone
    James River along the northern county boundary, Appomattox River along the southern, and Willis River internal drainages carry SFHA mapping. Floodplain Development Permit required for parcels intersecting mapped SFHA. (map)
  • other
    Substantial portions of northern Cumberland County are within or adjacent to Cumberland State Forest (16,000+ acres) and Bear Creek Lake State Park. State land is not subject to county zoning, but private parcels at the forest boundary face access-road and viewshed considerations. (map)
Technical envelope (climate & building code)

Climate & energy code

IECC climate zone4A
Heating degree days4,200
Cooling degree days1,500
Design low / high16°F / 93°F
Frost depth18"
Design snow load20 psf
Wind design speed115 mph
Seismic design cat.B
Annual rainfall44"
Wildfire exposurelow
Energy codeIECC
Version / adopted2021 / 2024

Building code

Base codeIRC
Version year2,021
Adopted2024
Fire sprinklernone
Egress window5.7 sqft min
Min ceiling7 ft
Attic R-valueR-49 min
Wall R-valueR-20 min

Amendments:

  • Amendment

Known issues (1)

  • other — Engage a private sanitarian early; septic siting frequently determines feasibility before zoning approval.
Cumberland County — county ADU rules and overlays

County ADU ordinance

Cumberland County does NOT have a standalone accessory-dwelling-unit (ADU) ordinance. Chapter 74 regulates accessory structures and accessory uses generally; Sec. 74-2 (Definitions) and the per-district use tables do not list an explicit 'accessory dwelling' or 'accessory dwelling unit' use category. The county's operative framework is one principal dwelling per lot: a second dwelling on the same parcel is not a listed by-right accessory use and typically requires either (a) subdivision of the parcel into two conforming lots, (b) a conditional use permit, or (c) placement under a farm-structure or family-member provision that Planning & Zoning treats case-by-case. Third-party ADU-marketing websites that state flat numeric caps (e.g., '800 sqft or 35% of primary') for Cumberland County appear to apply generic Virginia-template language rather than primary-source Cumberland ordinance text — the chapter's own quantitative caps are set per-district (setbacks, lot coverage, minimum lot size) rather than through an ADU-specific formula. Accessory structures independent of ADU status have concrete numeric thresholds: any accessory structure exceeding 256 square feet requires a building permit (under 256 sqft requires zoning approval only), and any accessory structure exceeding 600 square feet requires a permanent foundation. Effective 2022-02-01, conversions of sheds to habitable space are prohibited countywide because such structures do not meet Virginia Uniform Statewide Building Code minimum standards — this rule closes what had been a common de-facto ADU path of shed conversion. No statewide ADU preemption is in force in Virginia as of 2026-04-21 (per the state-adu-research file, no Virginia General Assembly ADU bill has been enacted through the 2026 regular session); Cumberland's silence on ADUs is therefore the operative rule.

County regulatory overlays

Cumberland County administers three principal overlay regimes that bear on second-dwelling and accessory-structure projects: (1) Floodplain Zoning under Chapter 74 Article XXI, substantively updated by Board of Supervisors Code Amendment CA 24-01 adopted 2024-04-09, tied to the FEMA Flood Insurance Study and Flood Insurance Rate Map for Cumberland County dated 2024-05-22; this overlay reaches the James River corridor on the southern county boundary, the Appomattox River corridor on the northern boundary, the Willis River, and their tributaries. (2) the Land Use (use-value) assessment program administered by the Commissioner of the Revenue under Va. Code § 58.1-3230, which does not restrict ADU construction but can be breached by one, removing the deferred-assessment benefit and triggering up to six years of rollback taxes. (3) conservation easements held by the Virginia Outdoors Foundation, the Virginia Department of Forestry (forestland easements), and other land trusts on a parcel-specific basis; the Cumberland State Forest (16,233 acres managed by the Virginia Department of Forestry including Bear Creek Lake State Park) is a large state-held block in the county, and private easement acreage under Va. Code § 10.1-1009 et seq. (Virginia Conservation Easement Act) and § 10.1-1700 et seq. (Open-Space Land Act) is concentrated in the rural forested and agricultural portions of the county. Cumberland has no coastal-commission jurisdiction (no tidal waters; well outside the Chesapeake Bay Preservation Act Tidewater boundary), no statewide WUI regulatory overlay (Virginia has none), no seismic-retrofit overlay (though Cumberland is on the outer edge of the Central Virginia Seismic Zone that caused 2011 damage in Louisa and Albemarle — hazard-awareness only, not a permit-constraining overlay), and no Part 150 airport-noise overlay (no commercial airport inside the county). Cumberland does NOT operate a county-administered local Architectural Review Board for historic districts — the Cumberland Courthouse Historic District (National Register) and other state/national historic listings impose no private-parcel design-review constraint absent a local overlay, which Cumberland has not adopted.

County permitting (unincorporated parcels)

An accessory-dwelling or second-dwelling project in Cumberland County routes through two county departments sharing the 1 Courthouse Circle, Cumberland office. Planning & Zoning handles the zoning-permit approval, any required Conditional Use Permit (the likely path for a second dwelling given the absence of a by-right ADU category), Subdivision Application (if subdivision is chosen), or Farm Structure Affidavit (for working-farm contexts). Building Inspection handles the building permit under the 2021 Virginia Construction Code (adopted effective 2024-01-18 following the USBC 2021 cycle), enforces the Virginia Uniform Statewide Building Code (13 VAC 5-63), and issues trade permits (electrical, plumbing, mechanical). Because Cumberland is rural with limited public water and sewer, the Piedmont Health District (Virginia Department of Health local office covering Amelia, Buckingham, Charlotte, Cumberland, Lunenburg, Nottoway, and Prince Edward) issues the well-and-septic construction permit for parcels outside public-utility service areas, which must be in hand before the county will release a building permit. Applications are submitted in person at 1 Courthouse Circle or by email to permits@cumberlandcounty.virginia.gov (building) or the Planning Director's office. New-home building permit applications must be hand-delivered or mailed with all required documentation; the daily application cut-off is 4:00 p.m.

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

  • 23027

Post Office

  • 28 High St, 23027