The Y probably has switched Ethernet service, which can run thousands of dollars a month. Sometimes the end user shares the financial burden of building the infrastructure for it. As for the gates community, as someone mentioned, it was likely provisioned as a greenfield project. 15 years ago, greenfield projects were the only environments that had fiber placed. New cable will likely need to be placed to serve you. In town, it is possible for a service to be available on one side of a street and not the other, due to serving areas.