As I understand it in R-1 zoning there is a percentage limit to how much of the ground can be covered by buildings. House is 1,450 sq ft and the lot is 10,500 so I'm in good shape. Anything larger than 120 sq ft needs a permit. Years ago you could show up with plans roughly drawn on a paper towel and get a permit. Now it must be engineered and drafted. That's not cheap...