source:
  type: guide
  id: va-m26-7-ch12-t12
  authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 12 — Zoning
  description: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 12 — Zoning.
  coverage_tier: operative
obligations:
- id: va-m26-7-ch12-t12-full
  canonical_id: va-m26-7-ch12-t12-full
  section: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 12 — Zoning
  type: do
  tags:
  - regulator-direct
  - va
  - va-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 12 — Zoning
    source_class: va-handbook
    source_url: https://www.benefits.va.gov/warms/pam26_7.asp
    snapshot_id: 824171a914866a59
    fetched_at: '2026-05-23T01:53:53Z'
    content_hash: sha256:71efd8bb39bb5596ad194f1b13e6f979cfa1afbf5566e897e26836fc1ab0429e
    paragraph_quote: '12. Zoning Change Date March 28, 2019 • This chapter has been
      revised in its entirety. a. Zoning Compliance The property must comply with
      all applicable zoning ordinances. b. Legal, Non- Conforming Use If the property
      does not comply with current zoning ordinances, but is accepted by the local
      authority, the appraiser must describe the property as “Legal Non-Conforming”
      and comment on the property’s marketability and any adverse effect this classification
      may have on value. The appraiser must state whether or not the dwelling may
      be legally rebuilt if destroyed. VA Pamphlet 26-7, Revised Chapter 12: Minimum
      Property Requirements 12-18'
  judgment: false
