City · New Jersey
ADU rules in Loch Arbour
These are the primary sources for accessory dwelling unit regulations in Loch Arbour: the city's own zoning code, planning department pages, and permit guides. Start here before talking to anyone: the rules below are what your permit reviewer will apply.
Rules at a glance
Loch Arbour has no codified code: its zoning is the Land Development Regulations Ordinance (Ord. No. 156, adopted 1-19-1979) plus separately numbered amendments, and none of them contains an accessory dwelling unit provision. In the R Residential district, which covers nearly the whole village, the only principal permitted uses are a single-family detached dwelling and municipal buildings, facilities, parks and playgrounds (§ 704B), and the accessory uses are a closed list of off-street parking and garages, swimming pools, fences, walls and plantings, and residents' camper or boat trailers in which habitation 'in a permanent or temporary manner is prohibited' (§ 704C). Ord. No. 221 limits every lot to one principal permitted use and one principal building (§ 620), Ord. No. 265 prohibits all uses not expressly permitted (§ 419B), and accessory buildings are capped at one story or 15 ft and 15 percent of the yard they stand in (§ 602D). The Planning Board treats even plumbing in a detached garage as a use question: an owner at 2 Elberon Avenue sought a use variance in 2021 to move a bathroom within a storage garage, withdrew it on 1-19-2022 and stipulated to remove all new plumbing (resolution memorialized 2-9-2022). A backyard cottage or garage apartment can therefore only be reached through a d(1) use variance.
Land Development Regulations Ordinance (Ord. No. 156, adopted 1-19-1979) §§ 302 (Accessory Use or Building), 602D, 704B, 704C; § 620 as amended by Ord. No. 221 (1988); § 419B as amended by Ord. No. 265 (3-1-1995); Planning Board resolution, 2 Elberon Avenue (memorialized 2-9-2022)No district permits a second unit inside or attached to a house, and none permits a two-family dwelling. § 302 defines a dwelling unit as 'One or more rooms providing living facilities for one family including equipment for cooking or arrangements for the same' and a one-family detached dwelling as 'A house accommodating but a single family,' so a basement, attic or addition apartment would turn the house into a use the R district does not list, which § 419B prohibits, and an attached accessory building simply becomes part of the principal building (§ 602A). The other districts allow no dwellings at all: C Commercial on Main Street permits offices, banks, churches, a car wash, a tavern, sit-down restaurants and retail (§ 705B as amended 5-9-2018 by Ord. No. 2018-437), the small Office-Professional zone offices only (Ord. No. 196, 1983), and the B Beach zone a cabana, refreshment stand, open beach and parking, with cabanas 'not for residential or other overnight accommodations' and its one accessory structure barred from finished living space (§ 706 as rewritten by Ord. No. 2013-395). § 704F also bars signs announcing a 'rooming house', 'boarding house' or 'guest house'.
Ord. No. 156 § 302 (Dwelling; Dwelling Unit; Dwelling, One-Family Detached; Family), §§ 419B, 602A, 704B, 704F; § 705B (amended 5-9-2018 by Ord. No. 2018-437); OP zone (Ord. No. 196, final passage noticed for 12-7-1983); § 706 B Beach (amended 12-4-2013 by Ord. No. 2013-395)Ord. No. 156 recognizes no ADU, so it sets no accessory-unit size cap; the envelope comes from § 602 (accessory buildings one story or 15 ft, at most 15 percent of the yard they occupy, erected in the rear of the lot, 10 ft between buildings on the same lot) and the R-district bulk rules. § 704E7, rewritten by Ord. No. 2014-397 (3-5-2014) and Ord. No. 2015-419 (12-2-2015), lets the principal structure cover 20 percent of the lot and all other buildings and structures another 20 percent, with total lot coverage never above 40 percent, and Ord. No. 2018-444 (11-20-2018) counts garages, sheds, pools, decks, patios, driveways, walkways and all pavers or impervious surfaces as building coverage, while pervious-paver driveways may exceed it by 10 percent of the lot, up to 500 sq ft (§ 704E10, Ord. No. 2018-445). Houses may not exceed 35 ft measured to the highest point of the roof from mean curb level or 2.5 stories, with finished half-story space, decks and balconies included, no larger than 50 percent of the second story's living space (§ 704D and § 302, Ords. No. 2018-446 and 2018-447), and new lots need 7,500 sq ft, 75 ft of width and 100 ft of depth, with side yards the greater of 5 ft or 10 percent of lot width and a 25 ft rear yard (§ 704E, Ord. No. 177 and Ord. No. 2018-443). The Planning Board applied this 20/20/40 coverage scheme and the bulk table in March 2022 (335 Euclid Avenue resolution).
Ord. No. 156 § 602A to E; § 704D (amended 11-20-2018 by Ord. No. 2018-446); § 704E (amended 6-20-1980 by Ord. No. 177; E4 by Ord. No. 2018-443; E7 by Ord. No. 2014-397 and Ord. No. 2015-419; E10 added by Ord. No. 2018-445); § 302 Building Coverage (Ord. No. 2018-444) and Half Story (Ord. No. 2018-447)Loch Arbour authorizes no ADU, so there is no accessory-unit owner-occupancy rule, and nothing in Ord. No. 156 conditions a house on its owner living there. The nearest provisions are the definitions of a dwelling as a building 'occupied exclusively for home or residence purposes, either permanently or seasonally' and of a family as persons 'living and cooking together as a single, non-profit housekeeping unit, exclusive of household servants' (§ 302). The certificate of occupancy required at every sale and every new tenancy asks the applicant to list all persons who will occupy the residence and, for a seasonal resident, a permanent address, which tracks occupants rather than requiring owner residence.
Ord. No. 156 contains no owner-occupancy provision; § 302 (Dwelling; Family); Ord. No. 103 § 14 (added 12-6-1984 by Ord. No. 201) and the village's Application for Certificate of Occupancy (rev. 2-2018)§ 704E8, as rewritten by Ord. No. 177 (adopted 6-20-1980), requires 'two (2) spaces per dwelling' and bars parking 'on lawns or on required areas for front, side or rear yards'; § 704E9 bars overnight outdoor parking of commercial vehicles, and § 619F provides that nothing shall prohibit 'driveways for one family dwellings from being considered one off-street parking space.' The state Residential Site Improvement Standards govern residential subdivision, site plan, variance and other residential development approvals and are 'the maximum that may be required in connection with residential development' (N.J.A.C. 5:21-1.5(a), (b)); Table 4.4 sets 'the maximum number of parking spaces planning boards and other local reviewers shall require' (5:21-4.14(c)): 1.5 for a two-bedroom single-family detached house, 2.0 for three, 2.5 for four and 3.0 for five, with each unit of a two-family dwelling at the same values. The local two-space rule therefore exceeds the state maximum only for a two-bedroom house, and the ordinance does not say how the two are reconciled.
Ord. No. 156 §§ 619C (amended by Ord. No. 221), 619F, 704E8 and E9 (amended 6-20-1980 by Ord. No. 177); N.J.A.C. 5:21-1.5(a) and (b), 5:21-4.14(c), Table 4.4No district lists an accessory dwelling, a two-family dwelling or any second unit as a permitted or conditional use, so a second unit is 'a structure or use in a district restricted against such structure or use,' which only a d(1) use variance can allow (§ 404B(d); N.J.S.A. 40:55D-70(d)). Since Ord. No. 227 (adopted 5-29-1990) the nine-member Planning Board holds every Board of Adjustment power under N.J.S.A. 40:55D-25(c), with the Class I and Class III members barred from d relief (§ 418E and F); § 404B(d) still demands 'two thirds of the full authorized membership of the board,' which on a nine-member board is six votes against the five the statute requires of a municipal board. Any interested party may appeal a use variance approval to the Board of Commissioners within 10 days of publication (§ 403, Ord. No. 221), a variance lapses unless a building permit is secured within one year (§ 404F), and Ord. No. 265 (3-1-1995) set the residential use-variance fee at $1,250 per dwelling unit plus a $2,500 escrow (§ 412C and D). Ordinary work starts with a local zoning determination from the Zoning Official ($10 on the village's 2019 form) before a construction permit from the Borough of Deal, and because the whole village is a historic district, new construction, additions and accessory buildings over 40 sq ft or 5 ft also need a Planning Board Certificate of Appropriateness (Ord. No. 2018-450).
Ord. No. 156 §§ 403 (amended by Ord. No. 221), 404B(d), 404F, 412C and D (amended 3-1-1995 by Ord. No. 265), 417B, 418E and F (amended 5-29-1990 by Ord. No. 227); Historic Preservation Ordinance (Ord. No. 2018-450) §§ 2, 4, 6.1A; Request for Local Zoning Determination (form 2019); N.J.S.A. 40:55D-25(c), 40:55D-70(d)Ord. No. 201 (adopted 12-6-1984), which added § 14 to the village's dwelling-fitness Ord. No. 103, bars anyone from occupying, renting, leasing, selling or transferring any dwelling house or dwelling unit until the zoning official issues a certificate of inspection permitting occupancy, at every new letting or change of owner and 'whether said occupancy, rental, lease, sale or transfer of title is temporary, seasonal or permanent, or whether or not for a consideration'; the application must state how many people will occupy the premises and which rooms they will sleep in. The village's application (revised 2-2018, with a notice of the smoke alarm and fire extinguisher rules effective 1-1-2019) offers yearly or seasonal (winter or summer) rental classifications, charges $100 for a rental and $125 for a resale certificate plus the $35 smoke detector certification, lists 'cottage or garage apartment' among residence types, and warns that skipping the inspection for each new tenant or owner is punishable by a fine of up to $200. No short-term rental ban, license, registration or minimum stay appears in any ordinance or governing-body record read (records through 9-12-2023), and the Zoning Official also enforces the International Property Maintenance Code adopted by Ord. No. 296 (6-5-2002).
Ord. No. 103 § 14a, b, d, e (added 12-6-1984 by Ord. No. 201; § 14h fees amended 11-11-1992 by Ord. No. 241); Ord. No. 296 (6-5-2002); Application for Certificate of Occupancy (Office of Zoning and Code Enforcement, rev. 2-2018 and 10-2018)The fine print: 9 caveats that can change the picture
- Loch Arbour allows no accessory dwelling unit under any name: Ord. No. 156 and every amendment the village lists in its 'Development Ordinances (adopted through December, 2018)' index were read from page images (none of the scans has a text layer, and the village has no codified code or full-text search), and none permits an accessory dwelling, accessory apartment, second dwelling, cottage or garage apartment; the only route to a second unit anywhere in the village is a d(1) use variance from the Planning Board.
- No district permits a two-family dwelling: the R district allows single-family detached dwellings only, and the Commercial, Office-Professional and Beach districts allow no dwellings (cabanas and Beach-zone accessory structures may not hold living space or overnight accommodations). By a visual read of the 1994 zoning map adopted with Ord. No. 265, R covers everything except the Commercial frontage on Main Street by the Deal Lake bridge, a small Office-Professional parcel on Euclid Avenue beside it, and the oceanfront Beach zone.
- Existing second units survive only as nonconforming uses: the village's certificate of occupancy application lists 'cottage or garage apartment' among residence types, but under § 617 a nonconforming use may continue only if it had existed for at least two years when Ord. No. 156 was adopted (1-19-1979), may not be expanded or structurally altered, is presumed abandoned after two years of nonuse, and cannot revert once converted to a permitted use.
- The whole village is a historic district (Ord. No. 2018-450, adopted 11-20-2018: the district boundaries 'are coterminous with the boundaries of the Village'), so any exterior change, addition, demolition or new construction of a house, garage or accessory building over 40 sq ft or 5 ft needs a Planning Board Certificate of Appropriateness, and Ord. No. 2017-435 (11-1-2017) bars building, remodeling and repair work, except emergency repairs, painting and finishing work on a fully enclosed structure, from June 30 to the Wednesday after Labor Day.
- Use-variance vote: § 404B(d) requires 'the affirmative vote of at least two thirds of the full authorized membership of the board,' language written for the seven-member Board of Adjustment that Ord. No. 227 abolished in 1990; applied to the nine-member Planning Board that now holds its powers it would demand six votes where N.J.S.A. 40:55D-70(d) requires five affirmative votes of a municipal board, and the ordinance does not reconcile the two (both texts recorded).
- Fourth Round context: DCA's Fourth Round calculation gives Loch Arbour a present need of 0 and a prospective need of 27, capped at 19 (94 households in the 2020 census, a land capacity factor of 0), but the village appears neither on DCA's 6-19-2025 list of municipalities that filed Fourth Round declaratory judgment actions nor in the NJ Courts Monmouth affordable-housing library, and DCA's July 2026 Municipal Status Report lists no Loch Arbour project and an all-zero trust fund row; no affordable housing ordinance or accessory apartment program appears in the village's ordinance index.
- New Jersey has no statewide ADU law. S1786 (in Senate Budget and Appropriations since 6-1-2026) would reach Loch Arbour, which had 224 residents on 0.087 square miles of land in the 2020 census (about 2,580 per square mile) and no ADU ordinance to qualify for the carve-out for ordinances in effect on or before January 1, 2025: an ADU would become a permitted use as of right on every R lot, with no added off-street parking, a 60-day deemed-approval clock and a 30-day minimum rental term for new ADUs, while the reprinted bill lets a municipality keep architectural review for ADUs inside a historic district, which here is the whole village.
- Currency gap: the village website answers automated requests with a Cloudflare challenge (the Internet Archive's own 2026 capture of its public-notices page was refused), so its Development ordinance page could be read only as captured on 2022-03-02 and its governing-body record only through 9-12-2023 (Ord. No. 2023-490); every ordinance in the readable 2020 to 2023 record concerns other subjects (stormwater, personnel, the budget cap, floodplain management, invasive plants, vacant property registration, parking), but a 2024 to 2026 zoning or rental ordinance would have escaped this extraction.
- Numbering quirks: Ord. No. 196 (1983) added the Office-Professional zone as a second § 706 beside the Beach zone (rewritten by Ord. No. 2013-395 as § 706 B), Ord. No. 2015-419 (the 40 percent total coverage cap) is listed on the village's index but its PDF could not be retrieved and was read from the 11-4-2015 and 12-2-2015 Board of Commissioners minutes, and the village's 2019 zoning determination form lists only the R, C and B districts.
Summarized from Loch Arbour's ordinance text, read October 2026; every row links the code section it came from. Rules often vary by zone and lot, so treat this as orientation, not a permit determination, and confirm with the planning department before you commit to a design.
ADU regulations
- locharbournj.usOfficial sourceReviewed October 2026https://www.locharbournj.us/ordinances/pages/development
- locharbournj.usOfficial sourceVerified October 2026156 adopt standard (PDF)https://www.locharbournj.us/sites/g/files/vyhlif5551/f/uploads/156_-_adopt_standard.pdf
- locharbournj.usOfficial sourceVerified October 2026table of contents development ordinances (PDF)https://www.locharbournj.us/sites/g/files/vyhlif5551/f/uploads/table_of_contents_-_development_ordinances.pdf
Short-term rental rules
Planning to rent your ADU on Airbnb or VRBO? Loch Arbour regulates short-term rentals separately; check these before counting on nightly rental income.
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