Sharps

ADU Pass helps homeowners in Sharps, Richmond 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

Statewith-restrictions (Virginia SB 531 (2026 Regular Session) - statewide ADU by-right preemption effective July 1, 2027; Va. Code Section 15.2-2280 et seq. (Dillon Rule)) — SB 531 signed April 14, 2026 with July 1, 2027 effective date. Until then Virginia is a Dillon Rule state - Richmond County zoning ordinance governs Sharps parcels.
Countywith-restrictions (Richmond County Zoning Ordinance - accessory dwelling provisions in A-1 (Agricultural) and R-1 (Residential) districts; Rappahannock River shoreline parcels carry additional Chesapeake Bay Preservation Act overlays) — Richmond County permits accessory dwellings in A-1 and R-1 districts. Sharps sits on the Rappahannock River shoreline south of Warsaw; many Sharps parcels carry Chesapeake Bay Preservation Act (CBPA) Resource Protection Area (RPA) and Resource Management Area (RMA) buffer designations.
Citywith-restrictions (Sharps is an unincorporated CDP - no separate municipal zoning; Richmond County A-1 / R-1 zoning plus CBPA buffer rules control) — Sharps is an unincorporated census-designated place on the north shore of the Rappahannock River in southern Richmond County, Virginia, near the river-narrows / Sharps Point. The community is principally residential with riverfront cottages and a small marine/boating presence. Elevation is very low (approximately 10 ft) and many parcels are within FEMA Special Flood Hazard Areas. The community has no municipal government; all zoning routes through Richmond County in Warsaw.

Sharps is a riverfront CDP - Richmond County zoning plus Chesapeake Bay Preservation Act buffer rules apply. Many parcels are in FEMA flood zones. SB 531 statewide preemption effective 2027-07-01.

Cost scenarios

ScenarioSq ft PermitBuildTotal
minimum 400 $1,550 $96,400 $97,950
midpoint 700 $1,550 $168,700 $170,250
maximum 1,000 $1,550 $241,000 $242,550
Fee breakdown (as of 2026-05)
Plan review$500
Building permit$750
Impact fees$300
Total$1,550

Permitting process

Typical duration195 days
Backlog35 days

Viability (permitted uses)

  • Long-term rental: yes Long-term rental permitted.
  • Short-term rental: with-restrictions STR is permitted as a use of the underlying residential classification; Sharps waterfront STR demand is meaningful given Rappahannock River access for boating, fishing, and crabbing. Transient occupancy tax administered by County.
  • Office rental: with-restrictions Detached office rental requires home-occupation review.
  • Home office: yes Home occupation permitted.
  • Studio / workshop: yes Personal studio is a permitted accessory use.
  • Agriculture: with-restrictions A-1 perimeter parcels may permit agricultural use; CBPA RPA/RMA buffers restrict near-shore agricultural activity.
  • Relative support: yes Family / multi-generational accessory dwellings are a common Northern Neck waterfront pattern.

Contacts

DepartmentRichmond County (VA) Planning Office (zoning + Chesapeake Bay Preservation Act review) coordinating with Richmond County Building Inspections, Three Rivers Health District (well and septic), and FEMA floodplain administrator (Richmond County)

Staff: Richmond County (VA) Planning Office (Zoning permit authority AND Chesapeake Bay Preservation Act administrator for Sharps shoreline parcels), Richmond County Building Inspections (Building permits, inspections, floodplain administration), Three Rivers Health District (VDH) (Conventional and alternative on-site sewage system permits for Sharps parcels)

Utilities

  • Water: Private well - no central water serves Sharps; brackish-water contamination is a known concern on some near-river parcels · 65d connect · $13,500
  • Sewer: Private septic - no central sewer; alternative on-site sewage system (AOSS) often required given high water table; VDH Three Rivers District permits · 90d connect · $28,500
  • Electric: Northern Neck Electric Cooperative or Dominion Energy · 35d connect · $2,600
  • Gas: Bottled propane (no natural-gas distribution to Sharps) · 14d connect · $1,900

Property values & taxes

Median value$285,000
Median tax$1,197/yr
Effective rate0.4%

Construction timeline

Detached build34 weeks
Conversion16 weeks
Contractor lead6 months

Realistic total: best 10mo · typical 16mo · worst 24mo

Modular pathway inspectors are novice with modular

Financing

Fannie Mae ADUeligible

State ADU loans:

Insurance impact

Annual premium delta$685
Landlord policyrecommended
Umbrella threshold$1M umbrella when renting; NFIP flood insurance required on most parcels

HOA prevalence & preemption

State HOA preemptionno

Some Sharps waterfront subdivisions (Sharps Point area) have HOAs; most non-subdivision parcels do not.

Regulatory overlays (2)

  • wetland-overlay
    100-ft Resource Protection Area buffer from mean high water on the Rappahannock River shoreline; 100-ft Resource Management Area buffer outward. Substantial restrictions on land disturbance within RPA buffer; ADU placement may require mitigation plan. (map)
  • flood-zone
    Substantial Sharps area in FEMA Special Flood Hazard Area (Zone AE typical). Elevation Certificate required for flood-insurance and post-construction sign-off. (map)
Technical envelope (climate & building code)

Climate & energy code

IECC climate zone4A
Heating degree days3,750
Cooling degree days1,800
Design low / high20°F / 92°F
Frost depth10"
Design snow load10 psf
Wind design speed125 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
  • Amendment

Contractor market (aggregate)

Licensed residential GCs28
Median GC size (employees)4
Laborer median wage$21/hr
Typical GC markup19%

Known issues (4)

  • other — Buffer delineation step adds 30-60 days; some near-shore parcels are effectively undevelopable for ADUs.
  • other — Adds $30,000-$60,000 to typical ADU build cost not reflected in headline numbers.
  • other — AOSS adds $10,000-$25,000 to septic cost and 30-45 days to permit timeline.
  • policy-review — CBPA buffer rules remain in force independent of SB 531.
Richmond County — county ADU rules and overlays

County ADU ordinance

Richmond County does NOT maintain a standalone accessory-dwelling-unit ordinance with dedicated definitional and dimensional standards. ADUs in Richmond County are regulated indirectly through the Zoning Ordinance's treatment of 'accessory use,' 'accessory structure,' 'guest house,' and 'second dwelling' or 'family-member dwelling' in combination with the per-district use schedules. In the A-1 Agricultural district, which covers the great majority of county acreage, a 'family-member dwelling' or farm-labor tenant dwelling is typically permitted subject to minimum lot area (commonly 3 to 5 acres or more depending on the specific allowance), demonstrated agricultural or family-member use, and Zoning Administrator approval; a fully independent second dwelling for non-family occupancy on a single lot typically requires a Special Use Permit from the Board of Supervisors after Planning Commission recommendation. In the R-1 and R-2 residential districts, accessory structures (workshops, detached garages, no-kitchen guest cottages) are permitted by-right subject to setback, height, and lot-coverage standards; an independent second dwelling in those districts is rare and would typically require an SUP. Applicants should confirm current ordinance text with the Richmond County Building and Land Use Office before committing to a project pro forma.

County regulatory overlays

Richmond County administers several overlay regimes that bear materially on ADU projects, with coastal / tidal exposure being the dominant physical constraint along the Rappahannock River frontage. The relevant overlays are: (1) a Floodplain Overlay District tied to FEMA Special Flood Hazard Areas, which covers a meaningful share of waterfront and tidal-creek-adjacent parcels along the Rappahannock and its tributaries; (2) Chesapeake Bay Preservation Act jurisdiction across the entire county (Richmond 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 much of the remaining land; (3) Virginia Marine Resources Commission (VMRC) tidal-wetlands and subaqueous-bottom jurisdiction reaching any project touching tidal waters or wetlands along the Rappahannock; (4) NRHP-listed historic resources scattered across the county including the Menokin plantation (the home of Francis Lightfoot Lee, signer of the Declaration of Independence, NRHP-listed) and other colonial-era plantations and village cores; the Town of Warsaw maintains its own historic-preservation posture. Richmond County has NO California-style coastal commission, NO CalFire-equivalent WUI regulatory overlay, and NO seismic-retrofit overlay.

County permitting (unincorporated parcels)

Richmond County's Building and Land Use Office handles zoning permits, Special Use Permits, site plan review, subdivision review, Chesapeake Bay Preservation District administration, and building-permit issuance and inspection for every parcel in the county except those inside the Town of Warsaw (which administers its own zoning and permitting) and state/federal land. 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 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 is essentially limited to the Town of Warsaw service area), (6) a Floodplain Development Permit if any portion of the parcel intersects the mapped Special Flood Hazard Area, which applies to a substantial fraction of parcels along the Rappahannock River frontage and tidal creeks, (7) a Chesapeake Bay Preservation Act review — Richmond County IS a Tidewater locality subject to the CBPA, with Resource Protection Area (RPA) and Resource Management Area (RMA) rules applying across the county, (8) a Virginia Marine Resources Commission (VMRC) joint permit for any work below mean high water or encroaching on tidal wetlands, (9) US Army Corps of Engineers permit where federal waters are involved.

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

  • 22548

Post Office

  • 5231 Sharps Rd, 22548