Toano

New Kent County portion

ADU Pass helps homeowners in Toano, New Kent 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 Dillon Rule zoning enabling statute) — Virginia is a Dillon Rule state with no statewide ADU preemption. Both James City County (where the bulk of Toano sits) and New Kent County (where this research file is filed as a cross-reference) exercise plenary local zoning authority.
Countywith-restrictions (Cross-reference file: Toano is principally in James City County, not New Kent County. This file is filed under new-kent-county to support the market-area neighbor relationship.) — Toano is an unincorporated community principally in James City County along U.S. Route 60 (Richmond Road) and Interstate 64 in the northwest part of the county. The community has roughly 6,000 residents and is zoned to Williamsburg-James City County Public Schools. The proximity to New Kent County (approximately 13 miles to New Kent the county seat) means workforce, commerce, and tourism flows tie the two counties together; for the ADU Pass market-area model, Toano's record under new-kent-county represents the Quinton-Providence Forge-Toano corridor that bridges Henrico, New Kent, and James City counties along the U.S. 60 / I-64 axis.
Citywith-restrictions (James City County Zoning Ordinance (Chapter 24 of County Code)) — Toano parcels are governed by James City County Zoning Ordinance, NOT New Kent County zoning. James City County is also a Tidewater CBPA jurisdiction with RPA buffer requirements along Chickahominy and York River tributaries. James City County's ADU pathway typically allows accessory apartments by-right in A-1 Agricultural and certain residential districts subject to dimensional standards, with a special-use permit for detached accessory dwellings in some districts. Toano-area subdivisions carry varying HOA covenant overlays; the 276-acre mixed-use development planned near the I-64 Croaker Road interchange will add additional residential density when constructed.

Toano ADUs are governed by James City County zoning. This research file is filed under new-kent-county in the ADU Pass tree to represent the U.S. 60 / I-64 market corridor that ties the two counties together; owners must apply to James City County, not New Kent County, for actual permits.

Cost scenarios

ScenarioSq ft PermitBuildTotal
minimum 200 $2,400 $58,000 $60,400
midpoint 600 $2,400 $174,000 $176,400
600 600 $2,400 $174,000 $176,400
1000 1,000 $2,400 $290,000 $292,400
maximum 1,000 $2,400 $290,000 $292,400
Fee breakdown (as of 2026-05)
Plan review$700
Building permit$1,350
Impact fees$350
Total$2,400

Permitting process

Typical duration155 days
Backlog30 days

Viability (permitted uses)

  • Long-term rental: yes Long-term rental of an approved accessory apartment is generally permitted.
  • Short-term rental: with-restrictions James City County requires STR registration and 5% transient occupancy tax. Strong demand from Colonial Williamsburg, Busch Gardens, and Water Country USA tourism; Toano's Richmond Road / I-64 location is well-positioned for visitor lodging.
  • Office rental: with-restrictions Detached office rental requires home-occupation approval.
  • Home office: yes Home occupation permitted in residential districts.
  • Studio / workshop: yes Personal studio is a permitted accessory use.
  • Agriculture: yes A-1 General Agricultural parcels permit farm structures and livestock.
  • Relative support: yes Family-member accessory dwelling pathway is widely used.

Contacts

DepartmentJames City County Planning Division (Toano is in James City County)

Staff: James City County Planning (Zoning Administrator), James City County Building Safety and Permits (Building Official)

Utilities

  • Water: James City Service Authority (JCSA) public water in the U.S. Route 60 / I-64 corridor and in the larger subdivisions; private well in outlying parcels · 45d connect · $6,500
  • Sewer: JCSA public sewer in the served area; private septic / AOSS in outlying A-1 parcels · 60d connect · $11,000
  • Electric: Dominion Energy Virginia is the principal electric provider · 30d connect · $2,400
  • Gas: Virginia Natural Gas in pockets along Route 60; bottled propane elsewhere · 21d connect · $2,000

Property values & taxes

Median value$385,000
Median tax$3,157/yr
Effective rate0.8%

Construction timeline

Detached build26 weeks
Conversion14 weeks
Contractor lead4 months

Realistic total: best 8mo · typical 12mo · worst 18mo

Modular pathway inspectors are experienced with modular

Financing

Fannie Mae ADUeligible

State ADU loans:

Insurance impact

Annual premium delta$830
Landlord policyrecommended
Umbrella threshold$1M umbrella when renting; SFHA / RPA parcels carry mandatory flood insurance; tropical-storm hurricane exposure adds wind premium.

HOA prevalence & preemption

State HOA preemptionno

Substantial HOA prevalence in Toano subdivisions (Stonehouse, Greensprings West, Powhatan Plantation, etc.). HOA architectural-review covenants may add a layer beyond county zoning.

Regulatory overlays (2)

  • wetland-overlay
    James City County is fully Tidewater under CBPA. RPA 100-ft buffers apply along Chickahominy River, Yarmouth Creek, and Skiffes Creek. Water Quality Impact Assessment required for buffer encroachment. (map)
  • flood-zone
    Floodplain Development Permit required for SFHA-intersecting parcels. (map)
Technical envelope (climate & building code)

Climate & energy code

IECC climate zone4A
Heating degree days3,500
Cooling degree days2,100
Design low / high20°F / 94°F
Frost depth10"
Design snow load12 psf
Wind design speed130 mph
Seismic design cat.B
Annual rainfall47"
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

Contractor market (aggregate)

Licensed residential GCs145
ADU-specialist GCs2
Laborer median wage$25/hr

Known issues (2)

  • other — Applicants who file in the wrong county add weeks of delay.
  • other — Monitor James City County Board of Supervisors decisions on the project.
New Kent County — county ADU rules and overlays

County ADU ordinance

New Kent County, Virginia does NOT maintain a standalone modern accessory-dwelling-unit ordinance with codified size caps, setback standards, and by-right ministerial paths. Chapter 98 instead regulates accessory residential use through two defined use categories: a 'guest house' (living quarters in an attached accessory building located on the same premises as the main dwelling, for use by guests of the occupants of the premises, NOT rented or otherwise used as a separate dwelling — i.e., no independent kitchen-for-rent / no separate lease), and a 'tenant house' (living quarters within a portion of a main building or in an accessory building located on the same lot, used for persons EMPLOYED on the premises — an employment-nexus allowance, not a market-rent ADU). A fully independent detached second dwelling with kitchen facilities and separate household is NOT a defined use category; such a second dwelling typically requires either (a) subdivision of the parcel into two lots meeting the district's minimum lot area (as small as well-and-septic soils allow, with no statutory acreage minimum in A-1), or (b) a Special Use Permit (called 'Conditional Use Permit' in some Chapter 98 contexts) from the Board of Supervisors with Planning Commission recommendation. Virginia is a Dillon Rule state with NO statewide ADU preemption (see src/data/state-adu-research/virginia.json for the full state framework) — ADU preemption bills have been introduced in every General Assembly session 2022 through 2025 without enactment. New Kent County's Chapter 98 therefore operates without any state floor that would mandate permissibility, ministerial review, fee caps, or removal of owner-occupancy conditions. Applicants planning an accessory dwelling in New Kent should (a) confirm the parcel's zoning district on the County GIS at gis.vgsi.com/newkentcountyva, (b) consult the Chapter 98 use table for the applicable district, (c) identify whether the parcel sits in the Resource Protection Area (RPA) or Resource Management Area (RMA) under the Chesapeake Bay Preservation Program or within a mapped FEMA Special Flood Hazard Area, and (d) engage the Planning Division pre-application.

State-floor overlay: Virginia has NOT enacted a statewide ADU preemption law. Va. Code § 15.2-2280 et seq. delegates zoning authority to counties, independent cities, and towns, subject to planning-commission procedure and advertised public hearing under § 15.2-2285. No state floor mandates ADU permissibility, ministerial review, minimum allowed size, parking-requirement ceilings, or removal of owner-occupancy requirements. Localities can and do heavily condition or prohibit independent second dwellings under this framework. ADU preemption bills have been introduced in the 2022, 2023, 2024, and 2025 Virginia General Assembly sessions without enactment; 2026 session activity is summarized in the state file. New Kent County's Chapter 98 therefore operates without a state ceiling on local restrictions.

County regulatory overlays

New Kent County administers several overlay regimes that bear materially on ADU projects: (1) a Floodplain Overlay District tied to FEMA Special Flood Hazard Areas along the Pamunkey River (northern county boundary, tidal throughout New Kent's frontage), the Chickahominy River (southern county boundary, tidal throughout its New Kent frontage), their confluence into the York River at the county's east end, and a dense dendritic network of tidal tributaries — New Kent's river-bounded geometry means a substantial fraction of low-lying parcels are in-mapped floodplain; (2) Chesapeake Bay Preservation Act jurisdiction across the entire county (New Kent is a designated Tidewater locality 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 across additional landward extent — administered by the New Kent Environmental Department; (3) locally-adopted historic overlays along the county-seat cluster at New Kent Courthouse and along the colonial-era Route 60 / Route 249 corridors, with NRHP-listed properties scattered throughout (New Kent has deep colonial and Civil War history — the Battle of Seven Pines, Fair Oaks, and Savage's Station engagements of the 1862 Peninsula Campaign crossed parts of the county). New Kent County has NO California-style coastal commission (Virginia has no coastal-commission analog), NO CalFire-equivalent WUI regulatory overlay (Virginia has no statewide WUI overlay), and NO seismic-retrofit overlay. There is no commercial airport inside New Kent County, so no FAA Part 150 noise zone applies; Richmond International (RIC) to the west and Newport News / Williamsburg (PHF) to the east have noise contours that stop well short of New Kent.

County permitting (unincorporated parcels)

Because New Kent County contains NO incorporated towns or cities, every parcel in the county is 'unincorporated' and is permitted directly by the county. Three county departments coordinate ADU-relevant review: (1) the Planning Division (under Community Development) handles zoning compliance, rezoning, Conditional / Special Use Permits, site plan review, and subdivision review under Chapter 98; (2) the Department of Building Development enforces the Virginia Uniform Statewide Building Code (USBC) — plan review, permit issuance, inspections; (3) the Environmental Department administers the local Chesapeake Bay Preservation Program (RPA/RMA) and floodplain review. A typical ADU-like permit bundle includes a Planning zoning determination, a Building Development building permit and trade permits, an Environmental Department CBPA review where applicable, a Virginia Department of Health (VDH — Three Rivers or Chickahominy Health District) onsite-sewage and well evaluation for parcels not on public utilities (the great majority), and a Floodplain Development Permit where any portion of the parcel is within the mapped FEMA Special Flood Hazard Area along the Pamunkey, Chickahominy, York, or Mattaponi drainages and their tributaries.

DepartmentNew Kent County Planning Division (zoning compliance, Conditional / Special Use Permits, subdivision, Comprehensive Plan), Department of Building Development (Virginia Uniform Statewide Building Code plan review, permits, inspections), and Environmental Department (Chesapeake Bay Preservation Act RPA/RMA, floodplain review).
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

  • 23011

Post Office

  • 7890 Richmond Rd, 23168