Claremont
ADU Pass helps homeowners in Claremont, Surry 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
Claremont is a tiny but incorporated riverside town. ADUs are not prohibited but require dual town and Surry County review. SB531 applies starting July 1, 2027.
Cost scenarios
| Scenario | Sq ft | Permit | Build | Total |
|---|---|---|---|---|
| minimum | 200 | $1,400 | $52,000 | $53,400 |
| midpoint | 550 | $1,500 | $154,000 | $155,500 |
| 600 | 600 | $1,500 | $168,000 | $169,500 |
| maximum | 900 | $1,700 | $261,000 | $262,700 |
Fee breakdown (as of 2026-05)
Permitting process
Viability (permitted uses)
- Long-term rental: yes Long-term rental of permitted ADU allowed.
- Short-term rental: with-restrictions Riverfront STR demand from James River recreation and Jamestown / Williamsburg tourism overflow. Town STR rules apply.
- Office rental: no ADUs must remain residential.
- Home office: yes Home occupation permitted.
- Studio / workshop: yes Personal studio compatible with residential zoning.
- Agriculture: yes Claremont sits in rural Surry; farm-related accessory structures are common in adjacent unincorporated areas.
- Relative support: yes Family-occupancy ADU widely used.
Incentives
Contacts
Utilities
- Water: Town of Claremont municipal water (limited footprint); private wells common outside town · 45d connect · $4,500
- Sewer: On-site septic predominates; Crater Health District oversight · 60d connect · $12,000
Riverfront parcels face stricter septic-setback requirements from the James River. - Electric: Dominion Energy Virginia · 28d connect · $1,700
- Gas: Propane (no piped natural gas distribution) · 14d connect · $1,500
Property values & taxes
Construction timeline
Realistic total: best 7mo · typical 10mo · worst 16mo
Modular pathway inspectors are novice with modular
VA-10 and VA-31 (Jamestown-Scotland Ferry) handle module delivery; the ferry imposes a width and weight constraint that may force overland routing.
Financing
State ADU loans:
Insurance impact
HOA prevalence & preemption
Most Claremont parcels are direct municipal lots without HOAs; some riverfront resort-style subdivisions carry HOA covenants.
Regulatory overlays (2)
- flood-zone
Significant Hurricane Isabel damage in 2003 documented the area's flood vulnerability. Riverfront parcels in AE/VE zones require elevated finished-floor and flood-resistant construction. - historic-district
Multiple potentially-eligible historic resources; verify any specific parcel's NRHP status before ground-disturbing work.
Technical envelope (climate & building code)
Climate & energy code
Building code
Amendments:
- Amendment
- Amendment
Contractor market (aggregate)
Legal history (timeline)
Current ordinance: Town of Claremont zoning provisions plus Surry County building framework
- 1607-05-05 — English settlers arrived at Claremont site - granite marker commemorates (other)
English settlers reached the James River shore at present-day Claremont on May 5, 1607, four days before the Jamestown landing.
Effect: Historical context; no zoning implications. - 1886-01-01 — Town of Claremont incorporated (city-ordinance)
Claremont was formally incorporated as a Virginia town in 1886. Named for a royal residence in Surry Shire, England.
Effect: Established municipal authority. - 1892-01-01 — Temperance, Industrial, and Collegiate Institute founded by Dr. John Jefferson Smallwood (other)
The 65-acre educational campus along the James River served Black students from Virginia and other states; founded by Dr. Smallwood, a formerly enslaved educator.
Effect: Historical land-use context for Claremont's riverfront. - 2003-09-18 — Hurricane Isabel damaged Claremont riverfront (other)
Hurricane Isabel severely damaged many riverfront Claremont homes and destroyed the adjacent Sunken Meadow beach.
Effect: Established the modern Claremont flood-risk profile that influences ADU placement on riverfront parcels. - 2026-04-14 — Virginia SB531 signed - statewide by-right ADU mandate (state-law)
Effective July 1, 2027: by-right ADU on SFR lots; $500 fee cap; consanguinity-restriction prohibition.
Effect: Claremont's local zoning framework qualifies for grandfathering (pre-Jan 2026); $500 fee cap takes effect 2027-07-01.
Known issues (1)
- other — Hurricane Isabel (2003) and subsequent storms have made flood-zone elevation requirements the dominant Claremont ADU placement consideration. Engage a Virginia-licensed surveyor early to confirm parcel-specific elevation requirements.
Surry County — county ADU rules and overlays
County ADU ordinance
Surry County does NOT maintain a standalone accessory-dwelling-unit ordinance with dedicated definitional and dimensional standards. ADUs are regulated indirectly through the Zoning Ordinance's treatment of 'accessory use,' 'accessory structure,' 'guest house,' and 'family-member dwelling' provisions in combination with the per-district use schedules. In the A-R Agricultural-Rural 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 requirements and demonstrated agricultural or family-member use; 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 typically permitted by-right subject to setback, height, and lot-coverage standards; an independent second dwelling in those districts typically requires SUP review. Applicants should confirm current ordinance text with the Surry County Department of Planning and Community Development before committing to a project pro forma.
County regulatory overlays
Surry County administers several overlay regimes that bear materially on ADU projects, with coastal / tidal exposure being the dominant physical constraint along the James River frontage. The relevant overlays are: (1) a Floodplain Overlay District tied to FEMA Special Flood Hazard Areas along the James River, the Chickahominy River drainage to the north (the James-Chickahominy confluence is at the county's northeast corner across from Charles City), and various tidal creek systems (Lawnes Creek, Hog Island Creek, Lower Chippokes Creek, Upper Chippokes Creek); (2) Chesapeake Bay Preservation Act jurisdiction across the entire county (Surry 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 along the James and its tributaries; (4) NRHP-listed historic resources of exceptional national significance, including Bacon's Castle (a National Historic Landmark, oldest surviving brick dwelling in English North America, 1665), Smith's Fort plantation (associated with Pocahontas — the dwelling site John Rolfe owned and on which he lived briefly with Pocahontas after their 1614 marriage; the existing house is a 1763 brick structure on the site, NRHP-listed), Chippokes Plantation State Park (NRHP-listed plantation operated by Virginia State Parks, Mansion House and farm complex), Pleasant Point and Four Mile Tree plantations, and various NRHP-listed colonial-era resources; (5) the Surry Power Station Emergency Planning Zone (10-mile and 50-mile EPZs around the nuclear-generating facility, which constrain certain critical-facility siting decisions but do not directly restrict residential ADU construction); (6) state parkland at Chippokes Plantation State Park (one of the larger James River frontage state parks). Surry County has NO California-style coastal commission, NO CalFire-equivalent WUI overlay, NO seismic-retrofit overlay, and NO airport-noise overlay.
- Floodplain Overlay District along James River and tidal creeks
- Chesapeake Bay Preservation Act (CBPA) Resource Protection Area and Resource Management Area
- Virginia Marine Resources Commission (VMRC) tidal-wetlands and subaqueous-bottom jurisdiction
- Bacon's Castle, Smith's Fort, Chippokes Plantation, and other NRHP-listed colonial resources
- Surry Power Station Emergency Planning Zone
County permitting (unincorporated parcels)
Surry County's Department of Planning and Community Development 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 Town of Surry or the Town of Claremont (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-R 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) - Western Tidewater Health District construction permit for well and/or septic on parcels not served by public water or sewer (which is the great majority of unincorporated parcels), (6) a Floodplain Development Permit if any portion of the parcel intersects the mapped 100-year SFHA along the James River, the Chickahominy / Diascund / Mill Pond drainages, or other mapped tributaries, (7) a Chesapeake Bay Preservation Act review — Surry County IS a Tidewater locality subject to the CBPA, with Resource Protection Area (RPA) and Resource Management Area (RMA) rules applying countywide given the James River tidal frontage, (8) a Virginia Marine Resources Commission (VMRC) joint permit for any work below mean high water or encroaching on tidal wetlands of the James, (9) US Army Corps of Engineers permit where federal waters are involved, and (10) historic-resource review at Bacon's Castle, Smith's Fort, and other NRHP-listed parcels.
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
- 23899
Post Office
- 3962 Spring Grove Ave, 23899