Toho Water Utility 2026: Bill Pay, Login & Phone

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Toho Water Authority • Kissimmee • St. Cloud • Poinciana • Osceola County

Toho Water Utility Help Desk for Bill Pay, Login, Phone and Account-Type Confusion

Use this guide when you need to pay a Toho Water Authority bill, register for the correct online portal, call the correct customer-service number, start or stop service, request a payment extension, apply for assistance, submit a usage credit, understand 2026 rates, check watering days, or report a water or sewer emergency.

The most important step is identifying your account-number type. Toho uses different payment instructions for 18-digit accounts and 8- or 9-digit accounts, so the phone number, portal, fee, and mailing address may not be the same.

Pay / Choose Portal Call 407-944-5000 Account Type Bill Help

Quick Answer: Which Toho Number or Portal Should You Use?

18-digit accounts407-944-5000
8/9-digit accounts407-957-7344
Main office951 MLK Blvd
Emergency24/7 phone menu
Need
Best official route
Have ready
Do not miss
Pay an 18-digit Toho account
Use the Level One online portal from Toho’s Ways to Pay page or call 407-944-5000.
18-digit account number, ZIP code, name on bill, payment method.
The 18-digit portal supports scheduled payments, AutoPay, eCheck, card payments and Pay by Text.
Pay an 8- or 9-digit account
Use the Invoice Cloud route from Toho’s Ways to Pay page or call 407-957-7344.
8- or 9-digit account number, bill stub, payment method.
This often applies to St. Cloud-area accounts, but use the account number on your bill rather than guessing.
Customer service for 18-digit accounts
Call 407-944-5000 or email customerservice@tohowater.com.
Account number, service address, last four SSN if requested, bill copy.
Call center hours are Monday-Friday, 8 a.m.-5 p.m.
Customer service for 8/9-digit accounts
Call 407-957-7344 or email customerservice@tohowater.com.
Bill, account number, property address and confirmation number if you paid.
Toho’s contact page says the address map can help identify the right contact if you do not know.
Water or sewer emergency
Call the proper Toho customer-service number and press the emergency menu option.
Address, cross street, active leak/backup/no-water description, photos if safe.
Toho says water/sewer emergencies are available 24/7.
Start service
Use Start Service form or call Toho.
Service address, ID, tenant lease if renting, deposit/credit-check details.
Residential deposits range from $0-$200; initiation fee is $30.
Stop service
Use Stop Service form.
Service address and forwarding address for deposit balance/final bill.
Toho sends confirmation at least one business day before requested stop date.
Move service within Toho area
Use Move Service form.
Old and new service address, tenant lease if renting, requested move date.
Current deposits transfer to the new account; $30 initiation fee appears on next bill.
Need payment help
Request extension before account worsens or apply for TAP through Osceola Council on Aging.
Bill, account number, due date, income/hardship documents, shutoff notice if any.
Extension is not confirmed until Toho notifies you by email.
High bill / leak / pool fill
Check usage, repair leak, then submit Usage Credit Request if criteria are met.
Usage history, repair proof, meter photo, pool-fill details, affected bill.
Toho says increased usage must be at least 10,000 gallons above the highest past-year use or twice average past-year use.

Safe-payment rule: do not pay from a generic search result. Open Toho’s official Ways to Pay page first, then choose the portal that matches the account number printed on the top right of your bill.

18-Digit vs 8/9-Digit Toho Accounts: The Step Most People Miss

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18-digit account number

Use the 407-944-5000 customer-service and automated payment route, the Level One online payment portal, and the 18-digit mail address shown below.

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8- or 9-digit account number

Use the 407-957-7344 customer-service and phone-payment route, the Invoice Cloud online route, and the 8/9-digit mail address shown below.

Account type
Online route
Phone route
Mail route
Fee clue
18-digit account
Level One portal from Toho Ways to Pay.
407-944-5000 automated phone payment available 24 hours.
Toho Water Authority, PO Box 30527, Tampa, FL 33630-3527.
eCheck free; card free when using online payment account; one-time card payment $1.25 per $100; $1,000 card limit.
8- or 9-digit account
Invoice Cloud route from Toho Ways to Pay.
407-957-7344 for e-check or card phone payment.
Toho Water Authority, PO Box 31304, Tampa, FL 33631-3304.
Online e-check no cost; card fee $3.25 per $1,000; $1,000 card limit.
Not sure
Use Toho’s contact page or account-search/address route.
Call 407-944-5000 first if you do not know.
Do not mail until you confirm account type.
Wrong portal or mail address can delay posting.
St. Cloud customer confusion
Many St. Cloud-area accounts use the 8/9-digit route, but verify by account number.
407-957-7344 appears on Toho’s 8/9-digit account instructions.
PO Box 31304 is the 8/9-digit mail route.
Some St. Cloud city charges may appear on certain bills.

Bill-reading tip: Toho says your account number is located in the top right-hand corner of the bill. Use the digits exactly as printed when registering, paying, mailing, calling or requesting account help.

Official Toho Water Authority Phone, Email and Office

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18-Digit Customer Service

Phone: 407-944-5000
Email: customerservice@tohowater.com

Hours: Monday-Friday, 8 a.m.-5 p.m. Water/sewer emergencies are available 24/7 through the phone menu.

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8/9-Digit Customer Service

Phone: 407-957-7344
Email: customerservice@tohowater.com

Use when your Toho account number has 8 or 9 digits, especially where the Toho page tells you to use the St. Cloud/Invoice Cloud path.

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Main Address

Toho Water Authority
951 Martin Luther King Blvd.
Kissimmee, FL 34741

Use for office-location reference, customer-service routing and map/navigation.

Menu / contact
What it does
Use this wording
407-944-5000, press 1
Water/sewer related emergencies.
“There is a water/sewer emergency at [address/cross street].”
407-944-5000, press 2
Customer service and other inquiries.
“I need account help for [account number].”
Customer-service menu, press 1
Pay bill.
“I want to pay and need confirmation.”
Customer-service menu, press 2
Existing customer bill inquiry.
“I have a billing question about [bill date/amount].”
Customer-service menu, press 3
Start, stop or move service.
“I need to start/stop/move service for [address].”
Customer-service menu, press 4
All other inquiries.
“I need help choosing the correct Toho route.”
Bill question form
Non-emergency billing review.
Use account number, address, amount, date and screenshot.
Callback request
Non-immediate follow-up from customer service.
Use when you do not need urgent payment/disconnect help.

Toho Water Bill Payment Options, Fees and Posting Tips

Online account

Create a payment account to schedule payments, set up AutoPay and use Pay by Text where available.

Phone pay

Use 407-944-5000 for 18-digit accounts or 407-957-7344 for 8/9-digit accounts.

Mail

Use the correct Tampa PO Box for your account-number type and include your Toho account number.

Cash locations

Amscot and MoneyGram cash-only payments are listed free of convenience fees when using the remittance slip.

Payment method
18-digit account
8/9-digit account
Watch this
Registered online payment
Level One portal; free eCheck and free card when using online payment account.
Invoice Cloud portal; e-check online no cost; card fee applies.
Register only through Toho’s official Ways to Pay page.
One-time online card
$1.25 for every $100.00; $1,000 card limit.
$3.25 per $1,000; $1,000 card limit.
Large card payments may need multiple transactions or another method.
Online eCheck
Free eCheck listed.
No cost to pay by online e-check.
Confirm bank information and save receipt.
Pay by text
Available after online payment account setup through Profile Settings.
Available through Invoice Cloud Pay Now/Register route.
Use only after confirming your mobile number and account.
Phone payment
407-944-5000 automated phone payment available 24 hours.
407-957-7344 for e-check or credit/debit card.
Write confirmation number before ending the call.
Mail
PO Box 30527, Tampa, FL 33630-3527.
PO Box 31304, Tampa, FL 33631-3304.
Include bill stub and Toho account number; mail is unsafe for urgent disconnect deadlines.
In person / walk-in computer station
Follow Toho guidance for the correct customer-service route.
Computer-station payments at St. Cloud City Hall, first floor of Building A, Monday-Friday, 8 a.m.-4 p.m.
Check account type first.
Amscot / MoneyGram
Cash-only payments accepted with remittance slip and no convenience fee listed.
Amscot cash-only payments accepted with no convenience fee listed.
For delinquent 18-digit accounts paid through Amscot or MoneyGram, Toho says customers must notify the call center that the account has been paid in full.
AutoPay
Available through online payment account.
Available through Invoice Cloud account setup.
Confirm first draft date; current bill may still need manual payment.
Third-party search result
Do not use unless Toho links it.
Do not use unless Toho links it.
Fake or outdated bill-pay pages can delay payment and risk disconnection.
Payment confirmation script: “I paid Toho account [account number] for [service address] on [date/time] by [Level One/Invoice Cloud/phone/Amscot/MoneyGram/mail/in person]. My confirmation number is [number]. Has the payment posted, and does it stop any delinquent fee, disconnect notice or restore delay?”

Past-Due Bills, Delinquent Fees, Disconnect Notices and Reconnection

Late charge

Toho says accounts not paid by the due date are assessed a late charge of $5.00 or 5% of the past-due amount, whichever is greater.

Delinquent account fee

Accounts that become delinquent are assessed a $50 fee and are subject to possible interruption of water service.

Restore after shutoff

To expedite restoration after nonpayment disconnection, the account balance and assessed fees must be paid in full and customer service should be notified.

Stage
What Toho says
What to do
Due upon receipt
Bill is for services rendered and due upon receipt.
Do not wait for final notice if payment is difficult.
Past due
Late charge is $5.00 or 5% of past-due amount, whichever is greater.
Request extension before the issue worsens.
Disconnect notice
Toho mails a disconnect notice to delinquent accounts with final date to pay.
Use fastest official payment method and call with confirmation.
Delinquent fee
Delinquent accounts are assessed a $50 fee.
Ask whether total balance includes fee before paying partial amount.
Possible interruption
Delinquent accounts are subject to possible interruption of water service.
Do not rely on mail or delayed posting close to the final date.
Amscot / MoneyGram paid late
For delinquent accounts, Toho says customers must notify the call center after full payment if using Amscot or MoneyGram.
Call with receipt number and payment amount.
Reconnection
Account balance and assessed fees must be paid in full.
Ask exactly what total restores service and expected timing.
Payment extension
Request before or soon after due date and wait for email confirmation.
Extension is not valid until Toho confirms by email.

Disconnect-prevention tip: payment alone may not be enough if it posts late or was made through Amscot/MoneyGram on a delinquent account. Call Toho with the confirmation or receipt number when the account is under notice.

Payment Extension and Toho Assistance Program

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Payment extension

Requests must be submitted no later than 11 days after the bill due date and received before 5 p.m., Monday-Friday. The extension is not confirmed until Toho notifies you by email.

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TAP assistance

Toho partners with the Osceola Council on Aging for the Toho Assistance Program, which helps ease financial hardship for qualifying customers.

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Priority households

TAP prioritizes income-eligible customers whose service is disconnected or in the process of being disconnected, plus households with elderly or disabled individuals or children under 18.

Help route
Who it helps
What to ask
Payment extension form
Customers needing more time before account becomes worse.
“Was my extension request received before the deadline and confirmed by email?”
Call Toho
Customers under notice or unsure of account status.
“What exact amount prevents interruption, and when must it post?”
Toho Assistance Program
Qualifying customers with financial hardship.
“Does my account qualify for TAP review?”
Osceola Council on Aging
Customers applying for TAP.
Call 407-846-8532 or apply online through the TAP route.
Disconnected or pending disconnect
TAP priority group if income eligible.
“Can the account be noted while I apply for assistance?”
Family with children / elderly / disabled household
TAP priority group if income eligible.
Ask what documents show household status and income.
Local 211 / community help
Broader food, rent, electric and utility assistance referrals.
Ask which agencies are currently funding water/sewer help in Osceola County.
Usage credit after leak
Customers whose hardship is from qualifying high consumption.
Use the Usage Credit Request after usage returns to normal.
Assistance script: “My Toho account is [account number] at [service address]. My balance is [amount], my due date was [date], and I received [notice/no notice]. I need a payment extension, TAP assistance, or account notation while assistance is reviewed. What exact steps should I complete today?”

Start, Stop or Move Toho Water Service

Start service

Prepare service address, ID for soft credit check, and signed lease if you are a tenant. All customers have a $30 initiation fee.

Stop service

Prepare service address and forwarding address so any deposit balance or final bill can be mailed correctly.

Move service

Prepare old and new service address. Current deposits transfer to the new account, and the $30 initiation fee appears on the next bill.

Service task
Required details
Toho rule / practical note
Start residential service
Service address, ID, soft credit check information, lease if tenant.
Residential deposits range from $0-$200; deposit may be waived if credit history is in good standing.
Start without qualifying ID
Service address and alternate identity details.
If U.S. driver’s license or state ID cannot be provided, Toho says the deposit amount is $200.
Start commercial 3/4-inch meter
Business details, FEIN, service address and credit/deposit requirements.
Commercial 3/4-inch deposits range from $100-$200 depending on credit history.
Start commercial 1-inch+ meter
Meter size and business account details.
Commercial deposit is $1,000 per meter size inch.
Stop service
Service address and forwarding address.
Toho sends confirmation at least one business day before requested stop date.
Move service
Old service address, new service address, tenant lease if renting.
Deposit transfers to new account; initiation fee appears on next bill.
Requested service date
Move/start/stop date.
Look for email confirmation with account details at least one business day before requested service date.
Address outside Toho area
Full address and ZIP.
Use Toho service-area and address tools before applying with the wrong provider.

Provider check: Toho serves St. Cloud, Kissimmee, Poinciana and unincorporated areas across Osceola, Polk and Orange county service areas, but exact service address still matters. Verify before setting up service, especially near city, county, CDD, HOA or apartment billing boundaries.

2026 Toho Water, Wastewater, Irrigation and Reclaimed Rates

Effective date

Current posted rate schedule is effective October 1, 2025.

Monthly billing

Consumption is billed in thousand-gallon increments; partial thousand gallons roll into the following month’s consumption.

Rate increases

Toho says water, wastewater and irrigation rates adjust 7.5% annually through fiscal year 2028, then 4% annually for fiscal years 2029-2030.

Charge
Posted amount effective Oct. 1, 2025
High-bill meaning
Water Tier 1
First 2,000 gallons: $0.71 per 1,000 gallons.
Lowest residential tier.
Water Tier 2
Next 3,000 gallons: $2.49 per 1,000 gallons.
Common normal-use tier.
Water Tier 3
Next 5,000 gallons: $4.48 per 1,000 gallons.
Irrigation, guests, pool top-off or leaks can push bills here.
Water Tier 4
Next 10,000 gallons: $7.14 per 1,000 gallons.
Large increase in usage cost.
Water Tier 5
Above 20,000 gallons: $10.75 per 1,000 gallons.
Usually needs immediate leak/irrigation check.
3/4-inch water base
$7.75.
Fixed charge before water usage.
3/4-inch wastewater base
$19.26.
Fixed sewer charge before wastewater usage.
Wastewater Tier 1
First 2,000 gallons: $2.43 per 1,000 gallons.
Lower sewer-usage tier.
Wastewater Tier 2
Above 2,000 gallons: $8.34 per 1,000 gallons.
Water leaks can also raise wastewater charges.
Flat water and sewer example
Flat rate water $14.17; flat rate sewer $40.80 based on 4,000 gallons monthly usage.
Some accounts may see flat-rate structures instead of ordinary meter tiers.
Irrigation 3/4-inch base
$7.75; tier rates $4.48, $7.14 and $10.75.
Broken irrigation heads can quickly raise the irrigation bill.
Reclaimed 3/4-inch base
$6.20; reclaimed tier rates $3.58, $5.71 and $8.60.
Reclaimed is not unlimited and still follows usage charges/schedules.

High Toho Water Bill: Usage Credit, Leaks, Meters, Irrigation and St. Cloud Charges

Usage credit threshold

Toho provides a credit adjustment for qualifying leaks, pool fills or unexplained high consumption. Customers can apply once in a rolling 12-month period.

10,000-gallon rule

Increased usage must be at least 10,000 gallons more than the highest use from the past year or twice average usage from the past year.

Wait until normal

Submit after your water usage has returned to normal. Water softener issues, irrigation timer issues and forgetting a hose do not qualify.

Check
How to inspect
Ask Toho
Usage chart
Review the chart on the bill or payment account.
“Which month shows the high consumption period?”
Longer billing cycle
Billing cycles may range from 27-33 days.
“Was this bill longer than the prior month?”
Rate increase
Rates adjusted effective October 1, 2025 and annually under Toho schedule.
“How much of this increase is rate vs usage?”
Previous balance
Check whether last month was not paid in full.
“Is the amount new charges or carried balance?”
Meter equipment issue
Toho says equipment issues may result in estimated bills and later actual-use catch-up.
“Was my bill estimated, manual-read or corrected after equipment repair?”
Toilet leak
Use dark food coloring in the tank, wait 30 minutes and check the bowl.
“Does this qualify for usage credit after repair?”
Irrigation leak
Check broken heads, wet yard areas and timer schedule monthly.
“Can I request a free irrigation evaluation?”
Pool equipment
Run pool equipment periodically and check for leaks; use a pool cover to reduce evaporation.
“Should I submit usage credit for pool fill or leak?”
St. Cloud charges
8-digit accounts may include City of St. Cloud charges such as stormwater and garbage.
“Which charges are Toho and which are City of St. Cloud?”
New meter
Newer meters may read more accurately than old meters.
“Was my meter replaced recently?”
High-bill script: “My Toho bill increased from [normal amount/usage] to [current amount/usage]. I checked billing-cycle days, prior balance, rate change, meter status, toilets, irrigation, pool equipment and St. Cloud charges. Does this qualify for usage credit, irrigation evaluation or bill review?”
Possible Water Bill Impacts Usage Credit Request Watering Days & Times Smart Irrigation Rebate

Watering Days, Irrigation, Reclaimed Water and Backflow Rules

18-digit watering schedule

Odd addresses water Wednesday and Saturday; even addresses water Thursday and Sunday; non-residential customers water Monday and Friday. No watering between 10 a.m. and 4 p.m.

8-digit schedule

8-digit accounts follow more specific St. Cloud-style time windows based on the last digit of the address, so check Toho’s watering page before setting a timer.

Reclaimed water is not potable

Reclaimed water can be used for landscapes and certain non-potable uses, but not for human consumption, household plumbing, pools, outdoor showers, hoses or edible crops unless treated/used as allowed.

Topic
Rule / practical detail
Customer action
Odd 18-digit addresses
Wednesday and Saturday.
Set irrigation controller to approved days and avoid 10 a.m.-4 p.m.
Even 18-digit addresses
Thursday and Sunday.
Check if neighborhood has a special reassigned schedule.
Non-residential 18-digit accounts
Monday and Friday.
Business, school, government, church, common areas and medians should confirm category.
8-digit St. Cloud schedule
Time window depends on address ending digit.
Use Toho’s exact watering page before programming controller.
New sod
Newly sodded areas can be watered more often for 30 days, with transition steps.
Keep proof of sod start date if citation occurs; Toho lists 407-944-5124 for citation support.
Hand watering
Hand-held hose with shutoff nozzle is listed as an exception/resource.
Use shutoff nozzle and avoid waste.
Reclaimed water availability
Toho treats and pumps more than 27 million gallons of reclaimed water daily.
Use efficiently because availability is limited.
Purple pipes
Purple pipe, sprinkler or irrigation equipment means reclaimed water is being used.
Do not connect purple/reclaimed water to potable plumbing.
Backflow devices
Irrigation systems using drinking water require RPBA; reclaimed irrigation requires check devices.
Keep two feet of access clearance around backflow assembly.
Backflow testing
Residential backflow assemblies are tested once every two years by a contractor on Toho’s behalf.
Watch for door hanger if test, repair or follow-up visit occurs.

Water Quality Reports, Lead/Copper, PFAS and Report Map

Annual reports

Toho says water is constantly tested for compliance with federal and state standards, with analysis performed throughout the year and results published in annual reports.

Five report areas

Toho’s 2025 reports are listed for Central, Eastern, Southern, St. Cloud and Western report areas, with English and Spanish options.

Use the map

Enter your address in Toho’s water-quality map to find the report that corresponds to your area.

Water quality need
Where to go
What to ask
Latest water quality report
Toho Water Quality Reports page.
“Which report area applies to my address?”
Report-area lookup
Use the Water Quality Map.
Enter full address and open the matching CCR.
Lead and copper questions
Use Toho Lead and Copper Program resources.
Ask about service-line information, sampling and notices.
PFAS questions
Use Toho PFAS page and latest water-quality reports.
Ask what testing data applies to your report area.
Taste, odor, cloudy or colored water
Call customer service or emergency route if severe/widespread.
Report address, fixture, hot/cold water, time started and whether neighbors are affected.
Cross-connection/backflow
Use Cross-Connection Control Program.
Ask which backflow assembly applies to irrigation/reclaimed water at your property.
Reclaimed water safety
Use Reclaimed Water page.
Confirm allowed and prohibited uses before installing or changing irrigation.
Boil/advisory or project notice
Use Toho News & Alerts.
Check address and official lifted notice before normal use resumes.
Water Quality Reports Water Quality Map Cross-Connection Control Reclaimed Water

Report Water Leak, Sewer Backup, No Water or Reclaimed Water Issue

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Emergency phone

Call the correct Toho customer-service number and choose the water/sewer emergency option. Toho says emergency assistance is available 24/7.

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Give exact location

Report address, cross street, meter box, manhole, hydrant, lift station, visible water/wastewater, time started and photos if safe.

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Stay safe

Avoid wastewater, flowing street water, open manholes, electrical hazards and washed-out pavement. Call 911 first for immediate life-safety danger.

Problem
What to say
What not to do
Water main break
“Water is running/bubbling at [address/cross street].”
Do not stand in flowing water or traffic.
Meter leak
“Water is leaking at or near the meter box for [address].”
Do not open, bypass, unlock or tamper with the meter.
No water
“My address has no water; neighbors [are/are not] affected.”
Do not assume it is an outage before checking account/disconnect status.
Low pressure
“Low pressure affects [all fixtures/one fixture/neighborhood].”
Do not run irrigation while pressure issue is being reviewed.
Sewer backup
“Wastewater is backing up from [toilet/tub/floor drain].”
Stop using water and keep children/pets away.
Manhole overflow
“A manhole is overflowing/open/sunken at [location].”
Do not remove or enter manholes.
Reclaimed water issue
“Reclaimed irrigation water is [off/leaking/low pressure] at [address].”
Do not use reclaimed water for drinking, cooking, bathing, pools or hoses.
Boil/advisory concern
“Is my address included, and has the advisory been lifted?”
Use only official Toho alert/lift notice for final confirmation.

Map: Toho Water Authority Main Office

Location / route
Address / phone
Use for
Toho Water Authority main office
951 Martin Luther King Blvd., Kissimmee, FL 34741 • 407-944-5000
General Toho customer-service location reference and 18-digit account route.
8/9-digit account phone route
407-957-7344
8- or 9-digit account customer service and phone payment.
18-digit mail payment
Toho Water Authority, PO Box 30527, Tampa, FL 33630-3527
Routine check/money-order payment for 18-digit accounts.
8/9-digit mail payment
Toho Water Authority, PO Box 31304, Tampa, FL 33631-3304
Routine check/money-order payment for 8- or 9-digit accounts.
St. Cloud walk-in computer station
St. Cloud City Hall, Building A, first floor
Computer-station card/e-check payment for applicable 8/9-digit accounts.
Amscot / MoneyGram
Participating locations with remittance slip
Cash-only payment with no convenience fee listed by Toho.

Toho Water Utility FAQ

What is the Toho Water Authority customer service phone number?

For 18-digit accounts, call 407-944-5000. For 8- or 9-digit accounts, call 407-957-7344. Toho’s call center is open Monday-Friday, 8 a.m.-5 p.m., and water/sewer emergencies are available 24/7 through the phone menu.

How do I pay my Toho water bill online?

Open Toho’s official Ways to Pay page and choose the payment route that matches your account number. 18-digit accounts use the Level One portal. 8- or 9-digit accounts use the Invoice Cloud route.

Why does Toho have different payment portals?

Toho’s payment instructions are separated by account-number type. 18-digit accounts use one portal, phone-payment route and mail address. 8- or 9-digit accounts use a different portal, phone-payment route and mail address.

What is the Toho pay-by-phone number?

For 18-digit accounts, call 407-944-5000 for the automated phone payment system. For 8- or 9-digit accounts, call 407-957-7344 to pay by e-check or credit/debit card.

Where do I mail a Toho Water payment?

For 18-digit accounts, mail check or money order with bill stub to Toho Water Authority, PO Box 30527, Tampa, FL 33630-3527. For 8- or 9-digit accounts, mail to Toho Water Authority, PO Box 31304, Tampa, FL 33631-3304. Include the Toho account number on the check.

What happens if my Toho bill is past due?

Toho says unpaid accounts are assessed a late charge of $5.00 or 5% of the past-due amount, whichever is greater. Delinquent accounts are assessed a $50 fee and may be interrupted. If disconnected, account balance and assessed fees must be paid in full for restoration.

Can I request a Toho payment extension?

Yes. Toho says payment-extension requests must be submitted no later than 11 days after the bill due date and received before 5 p.m. Monday-Friday. The extension is not confirmed until Toho notifies you by email.

Where can I get help paying a Toho Water bill?

Use Toho Payment Assistance. The Toho Assistance Program, in partnership with Osceola Council on Aging, helps qualifying customers. To apply, customers can call the Council on Aging at 407-846-8532 or apply online through Toho’s assistance route.

Why is my Toho water bill high?

Common causes include rate changes, a longer 27-33 day billing cycle, irrigation, equipment/read corrections, increased use, previous balance, leaks, running toilets, pool leaks or new meters. Toho provides a usage credit process for qualifying leaks, pool fills or unexplained high consumption.

Where can I find Toho water quality reports?

Use Toho’s Water Quality Reports page. Reports are listed for Central, Eastern, Southern, St. Cloud and Western report areas, and Toho provides a map where customers can enter an address to find the corresponding report.

30-Second Toho Water Utility Checklist

Find account type first: 18-digit accounts use 407-944-5000 and Level One; 8/9-digit accounts use 407-957-7344 and Invoice Cloud.

Emergency: call the correct Toho customer-service number and choose the water/sewer emergency option; emergencies are available 24/7.

Mail correctly: 18-digit accounts use PO Box 30527; 8/9-digit accounts use PO Box 31304.

Late bill: request extension early; delinquent accounts can receive a $50 fee and possible service interruption.

Bill help: TAP assistance is through Toho and Osceola Council on Aging at 407-846-8532.

High bill: check usage chart, irrigation, leaks, toilet test, prior balance and usage-credit eligibility before disputing.

Water Bill Payment, Leak & Utility Help Toolkit

Use this free helper to find the official water bill portal, avoid unsafe payment pages, handle late bills, troubleshoot high usage, prepare start/stop service documents, and contact the utility office with the right details.

Find official payment pages safely
Prepare before late fees or shutoff
Check high bill and leak causes
Useful on every city water guide

Official Water Bill Portal Finder

Enter your city, state, and utility name. This tool creates safe search shortcuts for the official bill pay portal, customer service page, outage line, and start/stop service page.

Safety tip: Use the official city, county, or utility website when paying a water bill. Do not enter card or bank details on a page that only looks like a payment portal but does not clearly identify the official utility.

Safe Water Bill Payment Checklist

Before paying online, use this checklist to reduce the risk of wrong payment, duplicate payment, missed receipt, or third-party confusion.

Important: Some official utilities use third-party processors. That can be normal, but the payment processor should be linked from the official utility website and show clear fee/payment details.

Late Bill, Shutoff Notice & Reconnection Action Plan

Select your situation and get practical next steps. This helps users act quickly without guessing.

Do not wait: If you received a shutoff notice, online payment alone may not stop disconnection. Call the utility billing office and save your confirmation number.

High Water Bill & Leak Troubleshooter

A high bill can be caused by leaks, irrigation, estimated readings, seasonal use, or account/meter issues. Choose the closest problem below.

Quick leak test Turn off all water, then check whether the meter still moves.
Toilet check Put food coloring in tank. If color reaches bowl without flushing, there may be a leak.
Ask utility Request usage history, meter reread, leak adjustment policy, and payment arrangement options.

Start, Stop or Transfer Water Service Checklist

Moving in or out? Choose your situation and prepare the details most utilities commonly request.

Your preparation checklist

Move-out tip: Ask for a final meter read, final bill date, refund/deposit process, and confirmation number when stopping service.

Payment Assistance & Arrangement Finder

If you cannot pay the full water bill, this guide helps you decide what to ask before disconnection or extra fees.

Helpful document list: Keep your account number, photo ID, service address, bill copy, shutoff notice, income proof if needed, repair receipt if leak-related, and payment confirmation numbers.

Water Department Call Script Generator

Generate a clear call or email script before contacting the utility billing office.

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