Troy

ADU Pass helps homeowners in Troy, Fluvanna 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.
Countywith-restrictions (Fluvanna County Code Chapter 22 (Zoning Ordinance)) — Fluvanna County permits accessory and family-member dwellings under Chapter 22; a fully independent second dwelling typically requires a Special Use Permit. Chapter 22 does not codify a fixed ADU size cap.
Citywith-restrictions (Fluvanna County Zoning Ordinance (Chapter 22 of Fluvanna County Code) governs Troy) — Troy is a small unincorporated rural community in northern Fluvanna County along US 250 / I-64, in the Charlottesville commuter shed near the Albemarle County line. ADUs are governed by the Fluvanna County Zoning Ordinance (Chapter 22). The community sits at high elevation along the Southwest Mountains; most parcels rely on private well and septic. Modest property-value pressure from Albemarle County overflow and UVA-area employment demand.

Troy is a small unincorporated rural community in northern Fluvanna County along US 250 / I-64, in the Charlottesville commuter shed near the Albemarle County line. ADUs are governed by the Fluvanna County Zoning Ordinance (Chapter 22). The community sits at high elevation along the Southwest Mountains; most parcels rely on private well and septic. Modest property-value pressure from Albemarle County overflow and UVA-area employment demand.

Cost scenarios

ScenarioSq ft PermitBuildTotal
minimum 200 $1,700 $46,550 $48,250
600 600 $1,700 $139,650 $141,350
maximum 900 $1,700 $209,475 $211,175
Fee breakdown (as of 2026-04)
Plan review$500
Building permit$750
Impact fees$450
Total$1,700

Permitting process

Typical duration130 days
Backlog25 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 Fluvanna County regulates STRs through its zoning ordinance; STR of an ADU typically requires registration and Transient Occupancy Tax compliance.
  • 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 districts expressly permit farm structures and the keeping of livestock subject to setback rules.
  • Relative support: yes Family / multi-generational accessory dwelling (often via the family/kinship-dwelling provision) is the most common pattern and is expressly permitted.

Contacts

DepartmentFluvanna County Department of Community Development, Planning and Zoning; Building Inspections

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

Utilities

  • Water: Mostly private well · 60d connect · $8,500
  • Sewer: Mostly private septic system; VDH-Thomas Jefferson Health District permits and inspects · 90d connect · $13,500
  • Electric: Dominion Energy Virginia (most of the county); Central Virginia Electric Cooperative (CVEC) serves a portion · 30d connect · $2,400
  • Gas: Limited natural-gas distribution outside Palmyra; bottled propane is the norm · 14d connect · $1,900

Property values & taxes

Median value$285,000
Median tax$2,622/yr
Effective rate0.9%

Construction timeline

Detached build28 weeks
Conversion16 weeks
Contractor lead6 months

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

Modular pathway inspectors are occasional with modular

Financing

Insurance impact

Annual premium delta$400
Landlord policyrecommended
Umbrella threshold$1M umbrella when renting; lakefront SML or premium-market property may warrant $2M+.

HOA prevalence & preemption

State HOA preemptionno

Virginia has no HOA-ADU preemption. HOA covenants restricting ADUs are enforceable.

Technical envelope (climate & building code)

Climate & energy code

IECC climate zone4A
Heating degree days4,200
Cooling degree days1,700
Design low / high16°F / 94°F
Frost depth14"
Design snow load15 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 — Wall-clock for SUP approval is typically 90-150 days; outcome depends on Planning Commission and Board review.
Fluvanna County — county ADU rules and overlays

County ADU ordinance

Fluvanna County has an unusually permissive by-right accessory-dwelling regime for a Virginia county: 'Dwellings, accessory' is a listed by-right residential use in Articles 4 (A-1), 5 (R-1), 6 (R-2), 7 (R-3 / Residential Planned Community, the district applied to Lake Monticello), and 8 (R-4), meaning an accessory dwelling is permitted as-of-right in every agricultural and residential zoning district across the county without requiring a Special Use Permit. Article 22 (Definitions) Section 22-22-1 defines 'Dwelling, accessory' as a separate, independent dwelling unit located on the same property as the primary dwelling unit, subject to a two-path size rule: (path 1) an interior accessory unit contained within a single-family dwelling (basement, attic, or additional level) may equal the existing finished square footage of the primary dwelling; (path 2) an attached accessory unit or a detached accessory unit (contained within a detached accessory structure) shall be no more than one-half of the finished square footage of the primary dwelling located on the subject property. One accessory dwelling is permitted per property, plus one additional accessory dwelling for each fifty (50) acres of contiguous property. Accessory dwelling units are subject to the setback requirements for primary structures (NOT the smaller accessory-structure setbacks). The ordinance does NOT require owner-occupancy of either the primary or the accessory unit — a material divergence from Albemarle County's Section 5.1.34 regime to the west — and does NOT impose a dedicated short-term-rental ordinance on ADUs beyond the standard transient-occupancy tax administered by the Commissioner of the Revenue. Because Fluvanna adopted its accessory-dwelling framework before January 1, 2025 and does not require a special-use permit for any attached or detached ADU, Fluvanna's existing ordinance is in the grandfathered class under Virginia HB 1832 (2025, effective July 1, 2026) and the state preemption does not displace the local rule.

County regulatory overlays

Fluvanna County administers three principal overlay regimes that bear on accessory-dwelling and second-dwelling projects: (1) the Floodplain Districts under Chapter 22 Article 17 Section 22-17-8A tied to FEMA Special Flood Hazard Areas along the Rivanna River, James River, Hardware River, and their tributaries (Ballenger Creek, Byrd Creek, Cunningham Creek, Raccoon Creek, Totier Creek); (2) the Land Use (use-value) assessment program administered by the Commissioner of the Revenue under Va. Code Sec. 58.1-3230, which does not restrict ADU construction but can be breached by one, removing the deferred-assessment benefit and triggering rollback taxes; (3) conservation easements held by the Virginia Outdoors Foundation, the Piedmont Environmental Council, and other land trusts — approximately 14,700 acres of conservation and historic easements in the county, roughly 6% of the county's land area, including some of Virginia's most important historic properties such as Bremo Historic District. Fluvanna County has three National Register historic districts (Fluvanna Courthouse Historic District in Palmyra, Seven Islands Archeological and Historic District, and the Fluvanna portion of the Scottsville Historic District) but does NOT operate a county-administered local Architectural Review Board with exterior-change review authority (National Register listing alone does not restrict private alteration in the absence of a local overlay). Fluvanna has no coastal-commission jurisdiction (no tidal waters; outside the Chesapeake Bay Preservation Act Tidewater boundary), no statewide WUI regulatory overlay (Virginia has none), no seismic-retrofit overlay, and no Part 150 airport-noise overlay (no commercial airport inside the county, though the Central Virginia Seismic Zone per VEMA hazard mapping does include Fluvanna alongside Louisa and Albemarle, which is a hazard-awareness designation rather than a permit-constraining overlay). Lake Monticello is a major private HOA layer that functions as a de-facto overlay for the ~4,000 households inside its gated boundary but is a private-law regime, not a county overlay.

County permitting (unincorporated parcels)

An accessory-dwelling project in Fluvanna County routes through two county-level departments sharing the 132 Main Street, Palmyra office. Planning & Zoning issues the zoning permit confirming the accessory-dwelling eligibility under Section 22-22-1, the applicable district use table, and the size and unit-count caps. Building Inspections issues the building permit, enforces the Virginia Uniform Statewide Building Code (13 VAC 5-63), and coordinates trade permits and inspections. For parcels not served by the Rivanna Water and Sewer Authority / Fluvanna County Utility service areas (which cover the Lake Monticello system and limited corridor service), the Thomas Jefferson Health District (VDH local office covering Fluvanna, Greene, Louisa, Nelson, and Charlottesville/Albemarle) issues the well-and-septic construction permit, which must be in hand before the county will issue the building permit. Applications are filed by email to planning@fluvannacounty.org or building@fluvannacounty.org or in person at 132 Main Street.

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

  • 22974

Post Office

  • 25 Troy Rd, 22974