How to Get an ADU Permit in Palm Bay: Complete 2026 Guide

Key Takeaways

• Palm Bay requires building permits through the City Building Department, with applications now accepted via the ePermitHub Digital Plan Room launched in March 2025

• ADU size limits range from a minimum of 200 sq ft to a maximum of 800 sq ft or 50% of the main house, whichever is less

• Owner-occupancy is mandatory—the property owner must reside in either the main house or the ADU

• Total project costs typically range from $75,000 to $256,000 including permits, construction, and utility connections

• Permit review averages approximately 14 business days for residential projects, with the full process taking 8-12 months for traditional construction

• Palm Bay ADUs must match the main house in exterior materials, style, and color

• Hurricane-resistant construction meeting Florida Building Code wind load requirements is mandatory for all ADUs in Brevard County

Palm Bay homeowners looking to add rental income, multigenerational living space, or a home office now have clearer pathways to ADU construction. The city's updated permitting process through the ePermitHub system streamlines applications, while Mesocore's Model E ADU offers a factory-built solution at 410 sq ft that fits within Palm Bay's size requirements and arrives with pre-installed utilities to simplify the inspection process.

Understanding Palm Bay's specific zoning requirements, permit procedures, and construction standards is essential before breaking ground. This guide walks through every step from initial zoning verification to Certificate of Occupancy.

Understanding ADU Requirements in Palm Bay

Palm Bay regulates accessory dwelling units through the Land Development Code, specifically Section 174.003, which establishes clear parameters for ADU construction within city limits.

What is an ADU in Florida?

An accessory dwelling unit is a secondary residential structure on a single-family property that includes independent living facilities—kitchen, bathroom, and sleeping areas. In Palm Bay, ADUs can be:

• Detached structures built separately from the main house

• Attached additions connected to the primary residence with a separate entrance

• Converted existing structures such as garages or pool houses that meet Florida Building Code requirements

ADUs differ from guest houses or pool cabanas because they contain full kitchen facilities and can be occupied independently. Under Palm Bay regulations, ADUs cannot be sold separately from the main property and are assessed as part of the primary residence for property tax purposes.

Palm Bay Zoning Regulations for ADUs

Before designing an ADU, property owners must verify their lot meets Palm Bay's zoning requirements. Contact the Growth Management Department at (321) 733-3042 to confirm:

• Zoning district eligibility per Table 173-1 of the Municipal Code

• Lot size minimums for your specific zoning district

• Setback requirements for accessory structures

• Maximum lot coverage limitations

The city's Growth Management Department handles zoning verification at 120 Malabar Road SE, Palm Bay, FL 32907. Staff can provide same-day answers for basic eligibility questions during Monday-Friday business hours, 8:00 AM to 5:00 PM.

General ADU Size and Height Restrictions

Palm Bay establishes specific dimensional requirements for all ADUs:

Size Requirements:

• Minimum: 200 sq ft of air-conditioned floor area

• Maximum: Lesser of 50% of the main house or 800 sq ft

Height Restrictions:

• Maximum 25 feet or the height of the main house, whichever is less

Additional Requirements:

• Additional parking spaces required (1-2)

• Utilities must use central water/sewer or Health Department-approved well/septic

• Exterior design must match the main house in materials, style, and color

• Only one ADU permitted per property

• Owner-occupancy mandatory in either main house or ADU

These requirements make Mesocore's Model E at 410 sq ft an ideal fit for Palm Bay properties, staying well within the 800 sq ft maximum while providing complete living facilities.

Key Steps to Obtain Your Palm Bay ADU Permit

The Palm Bay permitting process follows a structured sequence from zoning verification through final Certificate of Occupancy. Planning ahead and preparing complete documentation prevents costly delays.

Pre-Application Research and Site Assessment

Step 1: Verify Zoning Eligibility

Contact the City of Palm Bay Growth Management Department before investing in design work:

• Address: 120 Malabar Road SE, Palm Bay, FL 32907

• Phone: (321) 733-3042

• Email: floodzone@palmbayfl.gov

Bring your property address and parcel ID. Staff will confirm whether your zoning district permits ADUs and identify any site-specific restrictions. This consultation is free and typically provides same-day answers.

Step 2: Conduct Site Assessment

Before design begins, evaluate:

• Existing structure locations and setbacks

• Utility connection points (water, sewer, electric)

• Drainage patterns and stormwater management needs

• Tree preservation requirements

• Access for construction equipment

A professional property survey is required for the permit application. Budget $300-$600 for residential surveys in the Palm Bay area.

Preparing Your ADU Permit Application Package

Design and Engineering Phase

Hire Florida-licensed professionals to prepare your permit documents. Required drawings include:

• Site plan showing existing structures, proposed ADU location, setbacks, parking, and drainage

• Architectural plans with floor plans, elevations, building sections, and details

• Structural plans including foundation design and framing specifications

• MEP plans covering mechanical, electrical, and plumbing systems

• Energy code compliance forms per Florida Building Code requirements

Design costs typically range from $3,000 to $6,000 for ADU projects, with the timeline averaging approximately 2 months for complete plan development.

Required Documentation Checklist:

• Completed building permit application

• Signed and sealed building plans (2 sets minimum)

• Site plan (3 copies)

• Energy code compliance forms

• Owner-occupancy affidavit

• Contractor license verification (if using a contractor)

• Product approvals for windows, doors, trusses

• Impact fee forms

• Utility connection applications

• Current property survey

What to Expect Post-Submission

Application Submittal Options:

As of March 2025, Palm Bay accepts permit applications through:

• Online: ePermitHub Digital Plan Room for contractors

• In-person: Owner-builders must appear in person at the Building Department

Building Department Location:

• Address: 190 Malabar Road SW, Suite 105, Palm Bay, FL 32907

• Phone: (321) 953-8924

• Hours: Monday-Friday, 8:00 AM - 5:00 PM

Review Timeline:

Initial permit review averages approximately 14 business days for residential projects. However, most applications receive comments requiring revisions. Expect:

• Initial review: 10-30 business days

• Corrections submitted by applicant

• Re-review: 5-14 business days

• Multiple rounds of revisions may be necessary

Navigating the Palm Bay Building Department for ADU Permits

The City of Palm Bay Building Department oversees all ADU permit applications, plan reviews, and inspections. Understanding their processes accelerates your project timeline.

Step-by-Step Palm Bay ADU Permit Process

Phase 1: Zoning Verification (1-2 weeks)

• Confirm ADU eligibility with Growth Management

• Verify lot size and setback requirements

• Identify any deed restrictions or HOA requirements (city does not review these)

Phase 2: Design Development (6-10 weeks)

• Hire licensed architect and/or engineer

• Develop complete construction documents

• Prepare energy compliance calculations

• Obtain property survey

Phase 3: Permit Application (1-2 weeks)

• Compile all required documents

• Submit through ePermitHub (contractors) or in-person (owner-builders)

• Pay application fees

Phase 4: Plan Review (2-6 weeks)

• Building Department reviews structural, life safety, accessibility

• Planning & Zoning confirms setbacks, lot coverage, design match

• Fire Marshal reviews fire access requirements

• Utilities verifies water/sewer capacity

Phase 5: Revisions and Approval (2-6 weeks)

• Address reviewer comments

• Resubmit corrected plans

• Receive permit approval and fee invoice

Phase 6: Permit Issuance (1 week)

• Pay all permit and impact fees

• Receive issued permit

• Permit valid for 180 days—must begin construction within this period

Phase 7: Construction and Inspections (3-5 months traditional)

• Post permit on-site

• Schedule inspections at each stage

• Pass all required inspections

Phase 8: Certificate of Occupancy (1-2 weeks)

• Complete final inspections

• Receive CO allowing legal occupancy

Required Documents for Permit Application

The Building Department requires complete documentation to begin review. Missing items cause immediate delays.

Mandatory Submissions:

• Building permit application (available through ePermitHub)

• Two sets of signed and sealed construction drawings

• Three copies of site plan

• Property survey (current)

• Energy code compliance documentation

• Owner-occupancy affidavit (required for ADUs)

• Contractor registration with city (if applicable)

• Product approval documentation for windows, doors, roofing

Additional Documents as Applicable:

• Tree removal permit if removing protected trees

• Stormwater management plan

• Septic system approval from Health Department (if not on sewer)

• Well permit (if not on city water)

Typical Permit Review Timeline

The complete permit and construction timeline for traditional site-built ADUs in Palm Bay spans 8-12 months:

• Zoning Verification: 1-2 weeks

• Design Development: ~2 months

• Permit Review: 2-6 months

• Construction: 3-5 months

• Final Inspections: 1-2 weeks

• Total: 8-12 months

Mesocore's factory-built approach reduces the construction phase to approximately 10 days on-site, with factory production occurring simultaneously with site preparation and permitting.

Palm Bay Permit Search and Compliance for ADUs

Verifying permit status and maintaining code compliance protects your investment and ensures legal occupancy of your ADU.

How to Search for ADU Permits in Palm Bay

Palm Bay provides public access to permit records through:

• Online Portal: ePermitHub allows permit status tracking

• In-Person: Building Department at 190 Malabar Road SW, Suite 105

• Phone: (321) 953-8924 for permit status inquiries

When purchasing property with an existing ADU, search permit history to confirm:

• Original building permit was issued and finaled

• All required inspections passed

• Certificate of Occupancy was issued

• No open code violations exist

Ensuring Ongoing ADU Compliance

After your ADU receives a Certificate of Occupancy, maintain compliance by:

Occupancy Requirements:

• Owner must continue residing on property (main house or ADU)

• Report any ownership changes to the city

• Maintain rental records if ADU is tenant-occupied

Maintenance Standards:

• Keep exterior matching main house appearance

• Maintain all life safety systems (smoke detectors, egress windows)

• Address any code enforcement notices promptly

Rental Considerations:

• ADU rentals are permitted for long-term tenants

• Verify local short-term rental regulations before listing on vacation rental platforms

• Collect and remit applicable taxes

Mesocore ADUs come with Intertek certification for all factory-installed MEP systems, providing documented compliance that simplifies inspections and ongoing maintenance.

Benefits of Adding an ADU to Your Palm Bay Property

Palm Bay homeowners build ADUs for compelling financial and lifestyle reasons. Understanding the return on investment helps justify the upfront costs.

Generating Rental Income with Your Palm Bay ADU

Florida's rental market creates strong income potential for ADU owners. Key factors:

• Average ADU rental income in Florida markets: $2,200/month

• Annual rental income potential: approximately $28,500 after 4% maintenance costs

• With a Mesocore Model E priced at $129,000, investors can achieve 18.4% annual ROI with a 5.4-year payback period

Palm Bay's location in Brevard County, home to Kennedy Space Center and a growing aerospace industry, creates consistent rental demand from:

• Space industry contractors and employees

• Traveling healthcare professionals

• Snowbirds seeking seasonal rentals

• Remote workers relocating to Florida

Enhancing Property Value and Appeal

ADUs increase overall property value through:

• Added habitable square footage

• Demonstrated rental income potential

• Flexible use options appealing to diverse buyers

• Modern amenities in a self-contained unit

The ADU market is projected to grow from $18 billion in 2024 to $43.35 billion by 2034, representing a 9.19% compound annual growth rate. This growth reflects increasing buyer interest in properties with ADU potential or existing units.

Solving Multigenerational Housing Needs

Beyond rental income, ADUs address family housing challenges:

Aging Parents: Provide independent living while keeping family close. Florida's "Granny Flat" property tax reduction offers up to 20% reduction on assessed value when occupied by a senior relative age 62 or older.

Adult Children: Offer young adults privacy and independence while they establish careers, without requiring separate rent payments to landlords.

Home Office: Create dedicated workspace separate from the main house, increasingly valuable for remote workers.

Guest Accommodations: Host visitors without sacrificing privacy in the main residence.

For multigenerational families, Mesocore's factory-built ADUs provide complete living facilities with accessibility features that can accommodate aging residents.

Financing Your ADU Project in Palm Bay

ADU construction represents a significant investment. Understanding financing options and available incentives improves project feasibility.

ADU Loan Options for Palm Bay Homeowners

Several financing pathways exist for ADU construction:

Home Equity Line of Credit (HELOC)

• Variable interest rate

• Draw funds as needed during construction

• Borrow up to 80-90% of home equity

• Interest-only payments during draw period

• Best for: Uncertain costs, phased construction

Home Equity Loan

• Fixed interest rate

• Lump sum disbursement

• 10-20 year repayment terms

• Fixed monthly payment

• Best for: Known total costs, payment certainty

Cash-Out Refinance

• Replace existing mortgage at new terms

• Take difference in cash for construction

• May use projected ADU rent to qualify (FHA/Freddie Mac programs)

• Best for: High equity, favorable interest rate environment

Construction/Renovation Loans

• FHA 203(k) rehabilitation loan

• Fannie Mae HomeStyle renovation loan

• RenoFi renovation loan (uses after-improved value)

• Best for: Limited existing equity

Mesocore Financing Partnership

Mesocore works with Ocean Capital Lending to provide accessible ADU financing with no home equity or appraisal required and 100% upfront contractor funding.

Leveraging Tax Incentives for Your ADU

Federal and state incentives reduce the effective cost of ADU construction:

Federal Solar Tax Credit

• 30% tax credit through 2032 on solar and battery systems

• Applies to Mesocore's integrated 6kW solar array and dual 10kWh batteries

• Claimed via IRS Form 5695

Florida State Incentives

• 0% sales tax on solar equipment purchases

• Property tax exemption for renewable energy installations (solar/battery don't increase taxable value)

• "Granny Flat" property tax reduction up to 20% for senior relative (62+) occupancy

Insurance Savings

• Hurricane mitigation features qualify for wind premium discounts

• Impact windows alone provide discounts on wind portions

Local Programs Check with the Brevard County Housing Department for potential ADU grants, subsidies, or impact fee reductions. The 2025-2026 Action Plan may include new ADU-specific programs.

Calculating the ROI of Your ADU Investment

Use these figures for Palm Bay ADU investment analysis:

Mesocore Model E ADU Example:

• Base unit cost: $129,000

• Site work, permits, connections: $15,000-$30,000 (estimate)

• Total investment: $144,000-$159,000

Income Potential:

• Monthly rent: $1,800-$2,200 (Palm Bay market)

• Annual gross: $21,600-$26,400

• Less vacancy/maintenance (8%): $1,728-$2,112

• Net annual income: $19,872-$24,288

Return Calculation:

• Cash-on-cash return: 12.5%-16.8%

• Simple payback: 6-8 years

• With solar savings ($1,500-$1,820/year): Improved returns

These calculations don't include property appreciation, tax benefits, or potential rental rate increases over time.

Choosing an Accessory Dwelling Unit That Meets Palm Bay Standards

Selecting the right ADU type and construction method impacts costs, timeline, and long-term performance. Palm Bay's climate demands hurricane resilience and energy efficiency.

Modular vs. Site-Built ADU Options for Palm Bay

Site-Built ADUs Traditional stick-frame or block construction on-site:

• Timeline: 8-12 months from design to occupancy

• Cost: $180-$305 per square foot

• Pros: Full customization, local labor, familiar process

• Cons: Weather delays, extended inspections, variable quality

Modular/Factory-Built ADUs Units constructed in controlled factory environments:

• Timeline: Significantly reduced on-site construction time

• Cost: Often lower due to factory efficiencies

• Pros: Quality control, faster installation, pre-certified systems

• Cons: Transportation logistics, foundation requirements

Essential Features for a Florida ADU

Palm Bay's subtropical climate and hurricane exposure require specific design features:

Climate Considerations:

• High-efficiency HVAC sized for Florida heat and humidity

• Dehumidification capability

• Insulation meeting Florida Energy Conservation Code

• Window placement optimizing cross-ventilation

• Shade structures or covered porches

Hurricane Resistance:

• Impact-rated windows and doors

• Roof-to-wall connections meeting wind load requirements

• Reinforced entry points

• Water-resistant construction materials

Energy Efficiency:

• Energy Star appliances

• LED lighting throughout

• High-performance windows (low SHGC for solar heat control)

• Optional solar panels and battery storage

Ensuring Hurricane Resilience and Energy Efficiency

Florida Building Code mandates specific wind resistance standards based on location. Brevard County falls within zones requiring structures to withstand significant wind loads.

Mesocore's hurricane-resistant construction exceeds Florida requirements with:

• 180 mph wind rating—exceeds Category 5 hurricane thresholds

• Robotically welded structural steel core

• Impact-rated windows and doors included standard

• Engineered connections documented for insurance qualification

For energy performance, Mesocore units include:

• 6kW solar panel array with 14 PV panels

• Dual 10kWh lithium-ion batteries (20kWh total storage)

• R15 walls, R24 roof, R20 floor insulation

• Ductless Amana R-32 heat pump with HEPA filtration

• Energy Star appliances throughout

This integrated approach delivers annual utility savings of $1,500-$1,820, often eliminating electric bills entirely.

Understanding Florida's ADU Regulations and What States Allow ADUs

Florida's approach to ADU regulation balances local control with state-level guidance. Understanding this framework helps Palm Bay property owners work within the system.

Florida's Statewide ADU Framework

Florida permits local governments to regulate ADUs through their land development codes while maintaining Florida Building Code standards statewide. Key state-level factors:

Florida Building Code Compliance All ADUs must meet the Florida Building Code, including:

• Structural requirements

• Energy conservation standards (IECC-based)

• Hurricane resistance specifications

• Accessibility provisions where applicable

Modular Home Registration Factory-built modular homes, including ADUs, must be registered through the Florida DBPR modular home program. Mesocore maintains this registration, ensuring units meet state requirements before delivery.

IBC Approval Units must comply with International Building Code specifications as adopted by Florida. This standardization allows modular manufacturers to produce code-compliant units efficiently.

Comparisons to Other States' ADU Policies

Florida's ADU landscape differs significantly from states like California:

California (Most Permissive)

• State-mandated ADU allowance in most residential zones

• Mandatory solar on new residential construction

• Streamlined approval processes required by law

Florida (Local Control)

• Each municipality establishes ADU policies

• No statewide ADU mandate

• No residential solar mandate

• Varying approval timelines and requirements

Other States Allowing ADUs Oregon, Washington, and Massachusetts have enacted state-level ADU reforms similar to California. Texas maintains local control like Florida, with Austin and Houston implementing progressive ADU policies.

Why Mesocore Makes Palm Bay ADU Permitting Simpler

Mesocore's factory-built modular ADUs address the primary pain points Palm Bay homeowners face during the permitting and construction process. Here's how Mesocore's approach aligns with Palm Bay requirements:

Size Compliance: The Model E ADU at 410 sq ft fits comfortably within Palm Bay's 200-800 sq ft range, eliminating size variance concerns during plan review.

Factory-Installed MEP Systems: All mechanical, electrical, and plumbing systems are factory-installed and Intertek-certified before delivery. This certification can eliminate rough-in inspections on-site in some jurisdictions, reducing total inspection requirements and accelerating construction timelines.

Hurricane Engineering: The 180 mph wind rating exceeds Florida Building Code requirements for Brevard County, simplifying structural approval and qualifying for 20-55% insurance premium discounts.

Off-Grid Capability: The integrated 6kW solar system with 20kWh battery storage has been approved in some Florida jurisdictions (including Palm Beach County) to operate independently from the main house. This configuration may eliminate utility hookup costs and separate meter requirements while maintaining full functionality.

Accelerated Timeline: While traditional construction takes 3-5 months, Mesocore completes on-site installation in 10 days. Factory production occurs simultaneously with site preparation and permitting, compressing overall project duration.

Complete Package at $129,000: The Model E starting price includes:

• 1 bedroom, 1 bathroom layout

• Full kitchen with premium appliances

• Complete solar and battery system

• Rainwater collection

• Impact windows and doors

• High-end Lioher cabinetry

• Luxury vinyl plank flooring

Financing Access: Through the partnership with Ocean Capital Lending, Mesocore offers accessible ADU financing with no home equity or appraisal required and 100% upfront contractor funding.

For Palm Bay homeowners seeking a streamlined path from permit application to rental income, Mesocore's factory-built solution combines code compliance, hurricane resilience, and energy independence in a single integrated package.

Frequently Asked Questions

What is the average ADU cost?

Traditional site-built ADU costs in Palm Bay range from $75,000 to $256,000 depending on size, finishes, and site conditions. This translates to $180-$305 per square foot including permits, utility connections, and construction. Mesocore's Model E ADU starts at $129,000 for a complete 410 sq ft unit with integrated solar, appliances, and hurricane-rated construction.

How long for permit approval?

Initial permit review averages approximately 14 business days for residential projects. However, the complete process from design through construction typically spans 8-12 months for traditional site-built ADUs. This includes 2 months for design, 2-6 months for permitting, and 3-5 months for construction.

Owner-builder or hire contractor?

Palm Bay allows owner-builders to apply for permits, but you must appear in person at the Building Department rather than using the online system. All construction must meet Florida Building Code requirements and pass inspections. Licensed contractors can apply online through ePermitHub. Verify any contractor's license through the Florida DBPR before hiring.

Why choose modular ADUs?

Modular ADUs offer several advantages for Palm Bay homeowners: factory quality control ensures consistent construction standards, Intertek-certified MEP systems streamline inspections, 180 mph wind ratings exceed Florida requirements, and on-site installation takes just 10 days versus 3-5 months for traditional construction. The integrated solar and battery system provides utility independence and qualifies for 30% federal tax credits.

Are there tax benefits?

Yes, several incentives apply to Palm Bay ADU projects. Florida offers 0% sales tax on solar equipment and property tax exemption for renewable energy installations. The federal government provides a 30% tax credit on solar and battery systems through 2032. Florida's "Granny Flat" provision offers up to 20% property tax reduction when the ADU houses a senior relative age 62 or older. Check with the Brevard County Housing Department for potential local assistance programs.