ADU Loans in Covina, CA

Covina's current Planning Division fee schedule prices ADU planning review as a Site Plan Review (SPR) Minor: $837.00 for an ADU of 801 to 1,000 sq ft, and $200.00 for an ADU under 800 sq ft (which also covers preparation of the required covenant agreement). These tiers took effect 7/1/25 and replace the obsolete $3,168 figure from the 2017 schedule (Resolution 16-7554); ADUs are carved out of the general SPR-Minor tier. The schedule also charges a General Plan Fee of $2.50 per $1,000 of construction valuation. Building plan-check and permit fees are valuation-based and invoiced at submittal, not a flat ADU figure. Per the Residential ADU handout, a recorded covenant is required before permit issuance (covenant agreement fee $105.00 per Ord. 22-06), a separate ADU address must be requested before plan-check ($395.00 administrative fee), and development impact fees apply before occupancy.

Per CMC 17.69.040(I)(2), Covina does not charge development impact fees on an ADU under 750 sq ft (projects proposing more than one ADU each under 750 sq ft, but combining to 750 sq ft or more, also do not trigger fees). ADUs 750 sq ft or larger pay impact fees charged proportionally to the square footage of the primary dwelling unit (ADU SF / primary unit SF x primary unit fee, rounded to two decimals), and the ADU fee can never exceed the primary unit's fee; if the ADU equals or exceeds the primary unit's size, the full primary-unit fee applies. The City's impact fee schedule was adopted by Council Resolution 2024-057 on July 16, 2024 (projects entitled under the prior 2005 schedule before September 16, 2024 are unaffected), and is adjusted automatically each July by the ENR Construction Cost Index for the Los Angeles region. The schedule's residential per-dwelling-unit totals (Table S.2, including the 0.6% administrative charge) drive the proportional ADU calculation: $13,075/DU for a 600-800 sq ft primary unit and $18,087/DU for a >800-1,200 sq ft primary unit (other tiers: <600 sq ft $10,116; >1,200-1,900 sq ft $24,527; >1,900-2,300 sq ft $30,501; >2,300 sq ft $35,398). Covina is served by three unified school districts - Charter Oak, Azusa, and Covina-Valley; the City directs the ADU owner to obtain a School Clearance and pay the statutory developer fee for added habitable space to the district covering the parcel before permit issuance.

Yes for fire: Covina has formally designated a Very High Fire Hazard Severity Zone within the city under CMC Chapter 14.13, shown on the official map 'City of Covina FHSZ, Tile 1' on file with the City Clerk, adopted per Gov. Code 51179 and recommended by CAL FIRE/OSFM. ADUs sited on slopes of 4:1 or steeper or within a High/Very High FHSZ trigger added requirements: Planning plus LA County Fire Department review, a minimum 10-foot defensible-space zone, wildland-urban-interface construction (CBC/CRC), and tile/slate/imitation roofing (or 40-year+ architectural composition shingles). Historic: Covina adopted a Historic Preservation Ordinance (1997) but, per its own framework, the City has not designated any landmarks or a formal historic-overlay district; the downtown is documented only by the 2007 Covina Town Center Historic Resource Survey, so no historic-district designation currently imposes ADU-specific restrictions.

Covina is served by a public sanitary sewer system, not septic. The City operates and maintains its own sewer collection system (Municipal Code Title 13, Chapter 13.50, 'Sanitary Sewers and Industrial Waste'), and lies within the Los Angeles County Sanitation Districts service area; local laterals connect to LACSD trunk sewers. The city requires a Sanitation Clearance / LACSD connection-fee application for any ADU that adds bedrooms or bathrooms, confirming sewer connection as the standard path. No official source identifies any neighborhood within the incorporated city on septic — the developed valley-floor city is on public sewer, so a typical ADU connects to the existing sewer and no percolation test is triggered. (Septic/OWTS use tied to the 'Covina' mailing address occurs only in surrounding unincorporated LA County pockets governed by the County Department of Public Health, outside city jurisdiction.)

No. No City of Covina ordinance opting into AB 1033 (Gov. Code 65852.26 separate sale/conveyance of an ADU as a condominium) was located as of June 2026. To the contrary, Covina requires a recorded covenant agreement on every ADU (Ord. 22-06) and a deed restriction prohibiting separate conveyance of a JADU, which is consistent with not having opted into AB 1033. AB 1033 is opt-in only; without a local adopting ordinance, ADUs in Covina cannot be sold separately from the primary dwelling.