Short answer: In Lake Monticello and Fluvanna County, USDA soil data flags expansive clay on 2% of mapped land and a shallow water table on 17%. The median home was built in 1995. That points to drainage and moisture as the first things to check, but every lot is different.
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Fluvanna County has the highest shallow water table share of the three nearby counties at 17%, with newer housing (median 1995). For Lake Monticello homes, grading, sump pumps and crawl space moisture control are common topics.
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Sources
- Virginia counties soil and housing table (foundationsoils.com): https://foundationsoils.com/va/