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Lake Monticello, a private gated community, is a census-designated place (CDP) in Fluvanna County, Virginia, United States. The population was 10,126 at the 2020 census. The community is centered on a man-made lake of the same name, which is formed by a dam on a short tributary of the nearby Rivanna River. Lake Monticello is part of the Charlottesville metropolitan area. Lake Monticello was developed in the 1960s as a summer vacation home community but quickly evolved into a bedroom community of Charlottesville, and to a lesser extent of Richmond. It has a sizable retirement age population.