White Stone
ADU Pass helps homeowners in White Stone, Lancaster County, Virginia navigate the permit paperwork for building an accessory dwelling unit. This area covers 1 ZIP code.
Map
ADU details
ADU legality: allowed-with-restrictions
White Stone is a small incorporated town (population approximately 340) at the south end of the Robert O. Norris Jr. Bridge spanning the Rappahannock River, in southeastern Lancaster County. The Town of White Stone administers its own zoning code separate from the Lancaster County Zoning Ordinance — town parcels are not under county zoning. The town anchors the Lancaster / Middlesex side of the lower Rappahannock and supports moderate waterfront tourism, fishing charters, and second-home demand. CBPA RPA buffers apply along the Rappahannock and the tidal creeks. Town zoning code addresses ADUs through accessory-use provisions; confirm specific cap and procedural path with the Town Office.
Cost scenarios
| Scenario | Sq ft | Permit | Build | Total |
|---|---|---|---|---|
| minimum | 200 | $2,200 | $55,650 | $57,850 |
| 600 | 600 | $2,200 | $166,950 | $169,150 |
| maximum | 850 | $2,200 | $236,513 | $238,713 |
Fee breakdown (as of 2026-04)
Permitting process
- Town zoning consultation at White Stone Town Office (~5d)
Contact Patrick Frere, Town Manager & Treasurer (frere37@yahoo.com) or Melinda George, Town Clerk & Deputy Treasurer (wstownclrk@yahoo.com) at 433 Rappahannock Drive, White Stone, VA 22578 (804-435-3260). The Town's published guidance is direct: 'A Zoning Permit must be issued before starting new construction within the town limits.' Confirm ADU configuration and zoning district before submitting. - Town Zoning Permit (White Stone-issued) (~14d)
Submit the Town's Zoning Permit Application (downloadable from townofwhitestone.org). Town verifies setbacks, district use compatibility, lot coverage, and any frontage standards. Lancaster County (804-462-5480) handles zoning for parcels outside town limits, but the Town signs off in-town. - Special Use Permit / variance (if ADU is conditional rather than by-right) (~60d)
If the parcel's zoning district treats ADU as a conditional use, a Special Use Permit application proceeds to the White Stone Planning Commission then Town Council under Va. Code Section 15.2-2286. White Stone is a small town along Route 3 between Kilmarnock and the Robert O. Norris Jr. Memorial Bridge to Middlesex County; most residential parcels are R-1 single-family. - Chesapeake Bay Preservation Area review (Lancaster County administered) (~21d)
Lancaster County is in Tidewater Virginia and operates a Chesapeake Bay Preservation chapter (Land Development Code Part IV). Although White Stone is inland of the Rappahannock by ~1 mile, perennial streams and Antipoison Creek tributaries cross the town - parcels with such waterways have RPA buffers. Bay Act exception requires Lancaster County (804-462-5220) review and findings. - Lancaster County Building Permit application (issuing authority) (~1d)
White Stone does NOT issue building permits in-house; Lancaster County Department of Building and Planning (8311 Mary Ball Road, Lancaster, VA 22503; 804-462-5220) is the building-permit-issuing authority for all parcels including those in White Stone town limits. Plans stamped per the 2021 Virginia Uniform Statewide Building Code (13 VAC 5-63). - Plan review and trade permits (~28d)
Lancaster County reviews structural, energy, and trade plans. Virginia DPOR-licensed electrical, plumbing, and mechanical contractors file trade permits. White Stone has limited municipal water service; parcels not on town water are on private well. - VDH Three Rivers septic capacity review (~45d)
Three Rivers Health District (VDH) evaluates septic capacity for the existing primary dwelling plus the proposed ADU. White Stone parcels typically rely on private septic - Tidewater soils may require alternative onsite-sewage systems (AOSS) for additional flow capacity. - Construction inspections by Lancaster County
Footing, foundation, framing, rough-in (electrical/plumbing/mechanical), insulation, and final inspections by Lancaster County inspectors. VDH separately approves any new or expanded septic. - Certificate of Occupancy (~5d)
Final inspection pass triggers the County-issued CO. Lancaster County Treasurer (804-462-5630) bills county tax; White Stone separately bills a small town real-estate tax on top of county tax.
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 Lancaster 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; Lee County and the Tidewater counties have substantial Agricultural and Rural Conservation district acreage.
- Relative support: yes Family / multi-generational accessory dwelling is the most common pattern and is expressly permitted.
Contacts
Staff: Patrick Frere (Town Manager & Treasurer, Town of White Stone) frere37@yahoo.com, Melinda George (Town Clerk & Deputy Treasurer, Town of White Stone) wstownclrk@yahoo.com, Lancaster County Department of Building and Planning (Building permit issuing authority for White Stone town parcels)
Utilities
- Water: Town public water in town limits · 40d connect · $5,500
- Sewer: Town public sewer in town limits · 60d connect · $8,500
- Electric: Dominion Energy Virginia and Northern Neck Electric Cooperative · 30d connect · $2,400
- Gas: Limited natural-gas distribution outside the towns; bottled propane is the norm · 14d connect · $1,900
Property values & taxes
Construction timeline
Realistic total: best 9mo · typical 13mo · worst 22mo
Modular pathway inspectors are occasional with modular
Financing
State ADU loans:
Insurance impact
HOA prevalence & preemption
Virginia has no HOA-ADU preemption. HOA covenants restricting ADUs are enforceable.
Regulatory overlays (2)
- wetland-overlay
Resource Protection Area 100-ft buffer from tidal waters, perennial streams, and wetlands restricts ADU siting near shorelines. Resource Management Area requires Water Quality Impact Assessment for non-trivial site disturbance. Lancaster County is fully Tidewater under the CBPA framework. (map) - flood-zone
FEMA Special Flood Hazard Area mapping along major rivers and tributaries. Floodplain Development Permit required when any portion of the parcel is in the SFHA; finished floor must clear Base Flood Elevation plus Virginia freeboard. (map)
Technical envelope (climate & building code)
Climate & energy code
Building code
Amendments:
- Amendment
Contractor market (aggregate)
Legal history (timeline)
Current ordinance: Town of White Stone Zoning Ordinance, accessory dwelling provisions, adopted 2012-01-01, last amended 2021-09-01
- 1979-01-01 — Va. Code Section 15.2-2280 zoning authority codified (Dillon Rule baseline) (state-statute)
Virginia delegated zoning authority to counties, cities, and towns without an ADU-specific preemption.
Effect: Each Virginia locality regulates ADUs through its own zoning ordinance; ADUs are not automatically permitted statewide.
Known issues (1)
- other — Wall-clock and discretion are significantly higher than counties with codified ADU standards; SUP/CUP approval timeline alone is typically 90-150 days before building-permit review begins.
Lancaster County — county ADU rules and overlays
County ADU ordinance
Lancaster County does NOT maintain a standalone accessory-dwelling-unit ordinance with dedicated definitional and dimensional standards. ADUs in Lancaster County are regulated indirectly through the Zoning Ordinance's treatment of 'accessory use,' 'accessory structure,' 'guest house / guest cottage,' and 'family-occupied second dwelling' in combination with the per-district use schedules. In the A-1 Agricultural / Residential and A-2 Rural Conservation districts, which cover the great majority of county acreage outside the town footprints and the waterfront R-1 areas, a 'family-member dwelling' or farm-labor tenant dwelling is typically permitted subject to minimum lot area (commonly 3 to 10 acres depending on the district and the familial relationship), demonstrated agricultural or family-member use, and Zoning Administrator approval; a fully independent second dwelling for non-family occupancy typically requires a Special Use Permit from the Board of Supervisors after Planning Commission recommendation. In the R-1 Limited Residential district (which covers the majority of waterfront lots along the Rappahannock River, Corrotoman River, and Chesapeake Bay frontage), a 'guest cottage' or detached accessory structure without independent kitchen facilities is generally permitted as a by-right accessory structure subject to setback, height, and lot-coverage standards; a second independent dwelling on the same waterfront parcel requires an SUP and typically encounters Chesapeake Bay Preservation District RPA-buffer constraints that make siting difficult. In the R-2 General Residential district (denser residential areas adjacent to the towns), accessory-structure rules apply with tighter setback standards. Applicants should confirm current ordinance text with the Zoning Administrator before committing to a project pro forma — the ordinance has been amended periodically and specific ADU-like allowances vary by district and by interpretation of the 'customarily incidental' accessory-use standard.
County regulatory overlays
Lancaster County administers several overlay regimes that bear materially on ADU projects, and coastal / tidal exposure is the single most important physical constraint on county land use. The relevant overlays are: (1) a Floodplain Overlay District tied to FEMA Special Flood Hazard Areas, which covers a large share of the county because Lancaster County is a tidewater peninsular jurisdiction (low elevation, extensive Rappahannock River, Corrotoman River, and Chesapeake Bay frontage, with deep internal tidal creeks and marsh systems); (2) Chesapeake Bay Preservation Act jurisdiction across the entire county (Lancaster is a Tidewater locality designated under Va. Code § 62.1-44.15:67 et seq.), with Resource Protection Area (RPA) buffers of 100 feet from perennial water bodies and tidal wetlands and Resource Management Area (RMA) coverage on nearly all remaining landward extent; (3) Virginia Marine Resources Commission (VMRC) tidal-wetlands and subaqueous-bottom jurisdiction reaching any project touching tidal waters, wetlands, dunes, or beaches; (4) locally-adopted historic overlays and NRHP-listed corridors including the vicinity of Historic Christ Church (a 1735 Robert 'King' Carter-era colonial Anglican church, NRHP-listed and a National Historic Landmark), the Irvington Historic District (administered by the Town of Irvington, not the county), and numerous NRHP-listed plantations and village cores across the county; (5) state parkland at Belle Isle State Park (on the Rappahannock River), with adjacency impacts on permitting for nearby parcels. Lancaster County has NO California-style coastal commission (Virginia has no coastal-commission analog; coastal regulation flows through the CBPA, the VMRC for tidal-wetlands permits, and local ordinances), NO CalFire-equivalent WUI regulatory overlay (Virginia has no statewide WUI overlay), and NO seismic-retrofit overlay. However, the combination of pervasive floodplain, pervasive CBPA, and regular VMRC joint-permit triggers makes this one of the more overlay-dense rural counties in Virginia despite its modest population.
- Floodplain Overlay District
- Chesapeake Bay Preservation Act (CBPA) Resource Protection Area and Resource Management Area
- Virginia Marine Resources Commission (VMRC) tidal-wetlands, subaqueous-bottom, and sand-dune jurisdiction
- Historic Christ Church vicinity, Irvington Historic District, and NRHP-listed plantations
County permitting (unincorporated parcels)
Lancaster County's Department of Planning and Land Use handles zoning permits, Special Use Permits, site plan review, subdivision review, and Chesapeake Bay Preservation District administration for every parcel in the county except those inside the Towns of Kilmarnock, White Stone, and Irvington (which administer their own zoning and permitting) and state/federal land. Building Inspections issues building permits and trade permits for the same non-town territory. A typical ADU-like permit bundle (where a second dwelling is permitted) includes: (1) a Special Use Permit from the Board of Supervisors with Planning Commission recommendation, unless the parcel qualifies for an A-1 / A-2 family-member or farm-labor dwelling allowance, (2) a Zoning Permit confirming use compliance and district setback compliance, (3) a Building Permit with stamped residential plans, (4) Electrical, Plumbing, and Mechanical trade permits, (5) a Virginia Department of Health (VDH) - Three Rivers Health District construction permit for well and/or septic on parcels not served by public water or sewer (which is the great majority of parcels — public sewer coverage is limited to portions of Kilmarnock and small service-district pockets), (6) a Floodplain Development Permit if any portion of the parcel is within the mapped Special Flood Hazard Area — which is a LARGE fraction of parcels in Lancaster County because the county is a peninsular tidewater jurisdiction with Chesapeake Bay to the east, the Rappahannock River estuary to the south, and extensive internal tidal creek and marsh systems, (7) a Chesapeake Bay Preservation Act review — Lancaster County IS a Tidewater locality subject to the CBPA, with Resource Protection Area (RPA) and Resource Management Area (RMA) rules applying across nearly the entire county given its tidal geometry, (8) a Virginia Marine Resources Commission (VMRC) permit for any work below mean high water or encroaching on tidal wetlands, (9) a US Army Corps of Engineers permit where federal waters are involved, and (10) Historic District review if the parcel is within a designated local historic overlay (portions of the Christ Church vicinity and scattered NRHP-listed plantations).
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
- 22578
Post Office
- 564 Rappahannock Dr, 22578