LakeMonticello.

Lake Monticello is a private, gated residential community in northwestern Fluvanna County, and the Census Bureau counts it as its own place. The 2020 census recorded 10,126 residents, up from 9,920 in 2010. The same census counted 27,249 people in Fluvanna County, so the place held a bit more than a third of the county. Mail goes to Palmyra, ZIP 22963. It is not one of the four communities named on the Fluvanna page. Palmyra is the county seat and the postal place. Fork Union, Columbia, and Cunningham sit elsewhere. The housing inside the gates is its own market.

The Lake Monticello Owners' Association publishes its office at 41 Ashlawn Boulevard. The association describes more than 4,000 households around a 352-acre lake. The published geography of the census place is about 8.8 square miles of land and 0.62 square miles of water, with the Albemarle County line on the northwest, the Rivanna River on the northeast, and Virginia Route 53 along the southwest. Membership comes with the residential lot. The owner becomes a member and agrees to the charges. The membership page says the maximum annual dues are set by a vote of the members, and that an improved-property fee covers trash, recycling, and snow plowing of the community's streets. A special assessment needs member approval. Those charges are not the county tax, and the dollar amounts are not printed here.

Fluvanna County publishes a 2026 real estate tax of $0.755 per $100 of assessed value. The Fluvanna Review reported that on April 8, 2026 the Board of Supervisors set the fiscal year 2027 rate at the same $0.755, below an advertised maximum of $0.777. That fiscal year runs from July 1, 2026 through June 30, 2027. A staff packet ahead of the meeting had recommended $0.777. The report is what describes the vote. The treasurer's page is what publishes the 2026 rate.

The Main Gate is on Ashlawn Boulevard, and the association says it is staffed around the clock. Entry without a gate device is through a staffed gate. The access policy treats the device as a privilege for members in good standing, and it says the association may not deny an owner access to the lot. Guests are registered. The same policy names Lake Monticello Volunteer Fire and Rescue. The census place is listed in the Charlottesville metropolitan area. The association places the community about 15 miles southeast of Charlottesville and about 67 miles northwest of Richmond. What is for sale changes every week. The cards further down are the live subdivision feed, filed as Lake Monticello inside Fluvanna County. Every address in that feed uses Palmyra and ZIP 22963. A search for the town of Palmyra mixes in houses outside the gates, including the courthouse village. Ask for the subdivision.