Ocean Reef Community Association

What Ocean Reef Community Association does

Ocean Reef Community Association (ORCA) is a Florida-based non-profit community association that delivers municipal-grade services to the single private Ocean Reef gated community in Key Largo, Monroe County. Unlike a typical HOA, ORCA operates as a small integrated city: it runs Ocean Reef Fire Station 26 (the northernmost fire station in Monroe County), a 911 communications dispatch center, three ALS ambulances, a ladder truck, a pumper truck, a patrol boat, a 10-meter MetalCraft Fire/Security boat, AED-equipped patrol cars, and AED-equipped patrol units; it owns and operates the North Key Largo Utility Corporation (NKLUC), which runs a wastewater treatment plant and a Reverse Osmosis Plant that produces irrigation water for community common areas and golf courses; it operates a fiber optic cable network across all neighborhoods; and it runs the Grayvik Animal Care Center / ORCAT veterinary facility including a nationally recognized Trap-Neuter-Release program.

ORCA's product surface combines these operational departments with a member-facing technology stack: a members-only portal for governing/financial documents; the ORCA Assist mobile and web app (powered by CitySourced) for non-emergency issue reporting; the ClearGuest automated gate access system via gateaccess.net for 24/7 visitor clearance; the Cityworks Online Permitting System for contractor and homeowner permit review; and a Formsite-hosted forms hub for citations, golf cart licensing, key requests, pet registration, prescriptions, and gate opener (Amtech) requests. Community Management oversees Accounting/Finance, HR, Communications, IT, and Membership; Public Works handles capital projects, landscapes, roads, bridges, and canal cleaning; and ORCA manages three community parks (Greenberg Park, Sunrise Cay Passive Park, ORCA Dog Park). Governance is exercised through an elected Board of Directors and 15+ standing committees.

Revenue mechanics are HOA-centric: member assessments/dues from Ocean Reef property owners fund the bulk of services (amount not publicly disclosed), supplemented by NKLUC usage-based sewer/irrigation utility fees, citation fines, permit/ID card/day pass/key fees, Amtech hardware charges, vendor packet licensing, and Grayvik veterinary fees on a fee-for-service basis. Distribution is exclusively direct and on-premises (offices at 24 Dockside Lane and 97 South Harbor Drive in Key Largo, the Front Gate, the Public Safety Building, and NKLUC plant), with digital self-serve channels layered through the website, members-only portal, ORCA Assist app, and Formsite forms.

Name

Ocean Reef Community Association

Legal name

Ocean Reef Community Association

Website

https://orcareef.com

Company type

Private

Founded year

1959

Operating status

Operating

Headcount range

51–100 employees

Short description

Ocean Reef Community Association (ORCA) is a Florida non-profit that delivers municipal-style services — fire/EMS, security, public works, sewer/irrigation utility, and animal care — to the single private Ocean Reef gated community in Key Largo.

Ownership category

akta.pro rank

Headquarters

HQ city

Key Largo

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Member Assessments / HOA Dues: ORCA funds city-style services (Public Safety/Fire Rescue, Public Works, Community Management, NKLUC utility, Grayvik Animal Care) primarily through member assessments/association dues paid by Ocean Reef property owners. The Association explicitly states it provides 'the most services and has the lowest all-in cost (association cost and property tax) compared to any other similar community.'
2. NKLUC Utility Service Fees (Sewer & Irrigation): North Key Largo Utility Corporation (NKLUC), a not-for-profit managed by ORCA, charges for irrigation and sewer services to Ocean Reef and Angler's Club communities. NKLUC/Reverse Osmosis Water Committee assesses system revenue requirements and rate sufficiency.
3. Citation Fines: Monetary fines for violations of ORCA rules (issued by Public Safety/Welcome Center). Citations must be paid within 30 days to prevent affecting access to Ocean Reef. A separate dispute/review process exists with 7-10 business day turnaround.
4. Permit, ID Card, Day Pass, and Key Fees: Revenue from building permit review applications (via Cityworks), Online ORCA ID Cards, Temporary ID / Day Passes, and key requests (with key deposit agreements and addenda). A published Price List exists.
5. Amtech (Gate Opener) Fees: Homeowners receive two free gate openers; up to two additional gate openers available for $50 each.
6. Grayvik Animal Care Center Veterinary Services: Grayvik Animal Center provides veterinary services to Ocean Reef residents on a fee-for-service basis (appointments booked via phone/email). ORCAT Trap-Neuter-Release program is funded in part by donors.
7. Vendor/Business Requirements Package and Vendor Packet: Annual Business Requirements Packet and Vendor Packet required for businesses and delivery companies to operate at Ocean Reef.

Pricing tiers

Go-to-market motion1 record

Distribution channels8 records

Marketing channels8 records

Core offering

Ocean Reef Community Association (ORCA) provides city-style municipal services to the Ocean Reef private residential community in Key Largo, Florida, including fire and EMS response, 911 dispatch, gated security and access control, public works maintenance, sewer and irrigation utility (via NKLUC), animal care (via Grayvik Animal Care Center / ORCAT), and member governance. The offering is delivered through a combination of on-site operational departments and member-facing digital tools such as the ORCA Assist app, ClearGuest gate access system, Cityworks online permitting, and a members-only portal, all funded primarily by recurring member assessments on property owners.

Product overview

Ocean Reef Community Association (ORCA) is a non-profit homeowners-style community association operating more like a small municipality, delivering a portfolio of interconnected services to the Ocean Reef community in Key Largo, Florida. Rather than a single software product, ORCA's offering is a platform of integrated member-facing digital tools and on-the-ground operational services: the ORCA Assist mobile/web app (powered by CitySourced) lets members report non-emergency issues; the Clear Guest gateaccess.net system automates visitor clearance at the Front Gate; the ORCA Cityworks Online Permitting System handles contractor and homeowner permit applications; the Members-Only Portal provides gated access to governing and financial documents; and the Member Forms & Handbook hub aggregates online Formsite forms for keys, golf carts, pets, prescriptions, citations, and more. These digital products layer on top of ORCA's operational departments — Public Safety & Fire Rescue, Public Works, Community Management (Accounting/Finance, Communications, HR, IT, Membership), the North Key Largo Utility Corporation (NKLUC) for sewer/irrigation and the Reverse Osmosis Plant, the Grayvik Animal Care Center / ORCAT veterinary and TNR program, and three Community Parks (Greenberg Park, Sunrise Cay Passive Park, ORCA Dog Park) — together providing the city-style services ORCA is known for.

Differentiator

Problem solved

Functional benefit

Products and services

• Public Safety & Fire Rescue Multi-function ORCA department providing security, emergency medical, and fire-rescue services to the Ocean Reef community, including a 911/non-emergency dispatch center, three ALS ambulances, ladder and pumper trucks, a patrol boat, a 10-meter MetalCraft Fire/Security boat, and AED-equipped patrol cars; also operates the Front Gate and Welcome Center and conducts background checks for contractors.
• Public Works Department ORCA department that enhances and maintains community common property, overseeing capital projects and the maintenance of landscapes, roads, bridges, street and landscape lighting, water signage, and canal cleaning to preserve community aesthetics and infrastructure.
• Community Management ORCA's umbrella administrative department overseeing Accounting/Finance, Communications, Human Resources, Information Technology, and Membership divisions, handling accounts receivable/payable, payroll, financial reporting, recruitment, employee benefits, training, IT/security systems, and member onboarding.
• North Key Largo Utility Corporation (NKLUC) Not-for-profit organization managed by ORCA that provides irrigation and sewer service to the Ocean Reef and Angler's Club communities, including operation of the Wastewater Plant, Reverse Osmosis Plant, and Reverse Osmosis lagoon, with treated water reused for irrigation of common areas and golf courses.
• Grayvik Animal Care Center / ORCAT ORCA-operated veterinary facility at 97 South Harbor Drive providing veterinary services to Ocean Reef residents, plus ORCAT, a nationally recognized Trap-Neuter-Return (Trap-Neuter-Release) program for community cat population control, with a public visitation room for adoptable ORCATS.
• ORCA Assist Mobile and Web App Member-facing mobile and web application (iOS, Android, web) that allows Ocean Reef Community Association members to report non-emergency issues and concerns, and to access frequently visited sections of the ORCA website. Built on the CitySourced platform.
• ClearGuest Automated Gate Access System Computerized 24/7 entry system at the Ocean Reef Front Gate that authenticates members, guests, vendors, and contractors; residents can preauthorize expected visitors by phone or via the automated clearance system; restricted contractor work hours are enforced by time of year.
• ORCA Cityworks Online Permitting System Online permitting platform used by contractors and members to apply for and track building permit reviews, contractor ID cards, and day passes, with credit card and credit book payment options. Hosted on Cityworks (CLIENT_ORCAReefFL-Public).
• ORCA Members-Only Portal Login-protected section of the ORCA website providing homeowners with convenient, secure access to essential financial and governing documents via verified username/email and password login.
• Community Parks Three ORCA-managed community parks available to Ocean Reef members: Greenberg Park (a donated ~2-acre bayfront park with native landscapes, sandy pathways, gazebo, and fly-casting water access), Sunrise Cay Passive Park (a ~4.5-acre conservation park with nature trail, butterfly garden, and osprey platforms), and the ORCA Dog Park.
• Member Forms & Handbook Hub Centralized member services hub providing downloadable forms (member handbook/bylaws, golf cart licenses, pet registration, prescription pickup, key requests, gate openers/Amtechs, citation payments, permit applications) and links to online Formsite forms for each service.

Quantifiable outcome

• ORCA claims the lowest all-in cost (association cost and property tax) versus any similar community while providing the most services.
• +2 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature6 records

Partnerships

18 partnerships are on record, tiered core, minor and flagship.

• ComcastcoreTechnology or IntegrationORCA and Comcast have a Comcast-ORCA Agreement governing cable/communications services to the Ocean Reef community. A current 2026 Comcast-ORCA information PDF is linked from the Member Forms page.
• CityworkscoreTechnology or IntegrationCityworks provides ORCA's Online Permitting System (app04.cityworksonline.com/CLIENT_ORCAReefFL-Public/login) used by contractors and members to apply for building permit review and other permits.
• CitySourcedcoreTechnology or IntegrationCitySourced powers the ORCA Assist mobile app (iOS app id 1568608376, Google Play com.citysourced.orca) and the web version at orca.citysourced.com, enabling members to report non-emergency issues and access website sections on mobile.
• Neighborhood Health Partnership (UnitedHealthcare)coreOthersProvides ORCA employee medical primary insurance (a UnitedHealthcare company). Contact 1-844-651-3833, myuhc.com.
• American Public LifecoreOthersProvides GAP medical secondary insurance for ORCA employees (1-800-256-8606, ampublic.com).
• Sun LifecoreOthersProvides ORCA employee dental insurance and the Sun Life EAP by Design Employee Assistance Program (877-595-5281).
• GuardiancoreOthersProvides ORCA employee life insurance and short & long term disability coverage (800-627-4200, guardiananytime.com).
• TransamericacoreOthersProvides ORCA's 401(k) retirement plan for employees (877-234-9293, transamerica.com/individual).
• UBS (Lloyd Macedo)minorOthersActs as ORCA's 401(k) advisor through Lloyd Macedo at UBS (954-468-2238, [email protected]).
• UltiPro (UKG)coreTechnology or IntegrationHosts ORCA's public Job Board for career opportunities at recruiting.ultipro.com/OCE1001OCNR.
• Ocean Reef ClubflagshipStrategic or Co-development PartnerOcean Reef Club is the central private club within the community; ORCA provides city-style services (fire, EMS, security, public works, sewer/irrigation) to Ocean Reef Club members. Joe Urbinati serves as ORC Chair and Michael Heaney as ORC Vice Chair on the ORCA Board (Class A Members).
• Academy at Ocean ReefminorOthersCoeducational independent school (Toddlers–Grade 8) located within the Ocean Reef community; ORCA recognizes it as part of the extended community served by community infrastructure.
• Ocean Reef Community FoundationcoreOthersNon-profit foundation fostering a culture of giving to benefit Ocean Reef Club and surrounding communities. In 2021, Hank and Corinne Greenberg donated ~2 acres of bayfront land to the Foundation for Greenberg Park.
• Monroe County Fire Prevention & Fire Marshall DivisioncoreOthersORCA Fire-Rescue acts as a liaison with Monroe County Fire Prevention & Fire Marshall Division, providing fire prevention and life safety education in addition to firefighting, ALS, and rescue services.
• FPL / Turkey Point Cooling Canal (special committee)minorOthersORCA maintains an FPL and Turkey Point Cooling Canal Committee chaired by Bonnie Rippingille-Schoedinger to provide oversight on health, safety, political, and environmental issues involving FPL Turkey Point CEC.
• GateAccess.net (ClearGuest)coreTechnology or IntegrationGateAccess.net hosts ORCA's ClearGuest automated clearance system (gateaccess.net/Login.aspx?cc=orca) used to preauthorize and verify expected visitors at the Front Gate.
• FormsitecoreTechnology or IntegrationFormsite (fs26.formsite.com/xljkMF/...) hosts ORCA's citation payment, citation dispute, golf cart licensing, ID card, day pass, key request, prescription, and feedback forms.
• U.S. Department of Homeland Security (E-Verify)minorOthersORCA participates in the federal E-Verify program to confirm employment eligibility of new hires; E-Verify ORCA notice is published on the Careers page.

Scale indicators6 records

Recent moves6 records

Expansion highlights5 records

Broad incumbents

• CCMC: Community association management firm serving large-scale master-planned and amenity-rich HOAs across the U.S., operating as a third-party alternative to ORCA's in-house municipal-style delivery model.
• FirstService Residential: Largest North American residential property management company, managing HOAs and community associations including service delivery. Comparable business model (community association management services) at much greater scale.
• Associa: National HOA and community association management company providing operational, financial, and administrative services to thousands of communities — comparable 'runs-the-services' role but as a vendor, not an in-house association.

Direct peers

• The Villages: Large Florida master-planned retirement community operating its own extensive municipal-style services (public safety, utilities, recreation) through community-controlled entities. Closest analog to ORCA's 'city-style services inside a private community' model, scaled to many more residents.
• Boca West Country Club Community Association: Large Florida private country-club community with an association delivering security, public works, and amenity services to a membership of residents — similar HOA-as-municipal-operator structure.
• PGA National / BallenIsles Community Associations: Florida private golf/club communities operating their own POAs with security, public works, and amenity services for residents. Comparable HOA-as-operator structure in a Florida Keys-adjacent market.
• Fisher Island Community Association: Ultra-premium private Florida island community that runs its own utilities, security, public works, and ferry/transport services through a community association. Direct comparable on premium Florida private-community services.
• Pelican Bay Foundation: Naples, FL private gated community foundation providing city-like services (public safety, infrastructure, amenities) to a high-end residential membership. Highly comparable service scope and Florida geography.
• Celebration Community Association: Master-planned Florida community (originally Disney-developed) with HOA-style governance providing extensive shared services and amenities to residents — comparable in operating model.
• Lakewood Ranch Community: Florida master-planned community with multiple neighborhood associations and HOA governance delivering shared services, amenities, and public-works functions at scale to residents.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/OceanReefCommunityAssociation
• LinkedInlinkedin.com/company/ocean-reef-community-association

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ocean Reef Community Association