St. Cloud Water Utilities 2026: Bill Pay, Login & Phone

St. Cloud FL • Toho Water Authority • 8/9-digit accounts • 18-digit accounts • water • sewer • reclaimed water

St. Cloud Water Utilities Quick Desk: Pay, Log In, Call, Start Service or Report Water/Sewer Trouble

This guide is for St. Cloud, Florida water, wastewater and reclaimed-water customers served through Toho Water Authority. Use it to choose the right payment portal by account-number length, pay by phone, mail a payment, use the St. Cloud walk-in computer station, start/stop/move service, request a payment extension, apply for assistance, handle disconnection and reconnection, request a high-usage credit, follow irrigation schedules, and avoid confusing St. Cloud, Florida with St. Cloud, Minnesota or another provider.

Start Here: Which Account Type Do You Have?

8/9-digit St. Cloud accounts407-957-7344
18-digit Toho accounts407-944-5000
Walk-in center1300 9th Street
Emergency routing24/7 water/sewer
User intent
Best official action
Have ready
St. Cloud-specific detail
Pay St. Cloud water bill online
Use Toho’s Ways to Pay page and choose the portal that matches your account-number length.
Account number from top right of bill, bill stub, service address, payment method.
18-digit accounts use Level One; 8/9-digit accounts use InvoiceCloud.
Pay 8-digit or 9-digit St. Cloud account by phone
Account number, payment method, amount due.
Toho’s St. Cloud guidance says call 407-957-7344 for billing and payment help on St. Cloud accounts.
Pay 18-digit Toho account by phone
Full 18-digit account number, payment method, balance.
Use this route if your account number is in the newer 18-digit format.
Ask billing question
Call 407-957-7344 for St. Cloud 8/9-digit accounts or 407-944-5000 for 18-digit accounts.
Account number, service address, bill date, payment confirmation, question summary.
Toho says its customer call center is open Monday-Friday, 8 a.m.-5 p.m.
Start, stop or move service
Use Toho’s Start, Stop or Move online process or call the correct customer-service number.
Service address, ID, lease if tenant, forwarding address for stop, old/new address for move.
Residential deposits range from $0 to $200, and all customers have a $30 initiation fee.
Need payment extension or financial help
Use Payment Assistance or call customer service before the account goes further past due.
Account number, amount due, amount you can pay now, hardship details.
Toho lists payment extensions and the Toho Assistance Program.
Disconnected account
Pay using an immediate method, then notify customer service after payment.
Paid-in-full confirmation, account number, service address, shutoff notice.
For 8/9-digit accounts, call 407-957-7344 after payment; for 18-digit accounts, call 407-944-5000.
High bill, leak, pool fill or unexplained usage
Review usage, repair leak if found, then submit Usage Credit Request after usage returns to normal.
Usage history, repair proof, pool-fill details, bill copy and meter details.
Toho allows one application in a rolling 12-month period if the increased usage meets its threshold.
Water, backflow or sewer concern
Call Toho before calling a plumber.
Exact issue, address, photo if safe, one fixture vs whole home, neighbor impact.
St. Cloud guidance says Toho will not assume costs if you call a plumber first before Toho evaluates whether one is needed.
Irrigation schedule
Use Toho’s Watering Days and Times page.
Account-number type, street-number ending, neighborhood if applicable, reclaimed/potable irrigation status.
18-digit and 8-digit account schedules are different, so do not rely only on address ending.

Provider check: This article is for St. Cloud, Florida water/wastewater customers served through Toho Water Authority. If your bill says St. Cloud, Minnesota; OUC electric; Kissimmee; Osceola County; private well; septic; apartment billing; HOA billing; or a CDD, use the provider name printed on the bill.

Official St. Cloud / Toho Water Contact Box

🏢

St. Cloud Walk-In Center

Toho Customer Service Center serving St. Cloud
1300 9th Street
Building A, First Floor
St. Cloud, FL 34769

Walk-in hours: Monday-Friday, 8 a.m.-4 p.m.

Phone hours: Monday-Friday, 8 a.m.-5 p.m.

☎️

Phone / Email

St. Cloud 8/9-digit account service: 407-957-7344

Toho 18-digit account / main call center: 407-944-5000

Email: customerservice@tohowater.com

St. Cloud support email: cs-stcloud@tohowater.com

🚨

Water / Sewer Emergencies

Emergency routing: call Toho at 407-944-5000 or the St. Cloud account line at 407-957-7344 depending on your account type.

Toho says water and sewer emergency calls are handled 24/7.

Bill Pay and Login: Level One, InvoiceCloud, Phone, Mail, Amscot, MoneyGram and Walk-In

18-digit account

Use Level One online, 407-944-5000 by phone, mail to PO Box 30527, or cash at Amscot/MoneyGram.

8/9-digit account

Use InvoiceCloud online, 407-957-7344 by phone, mail to PO Box 31304, or St. Cloud City Hall computer station.

Card fee difference

Card fees differ by account type and payment route; e-check is the lowest-fee route in most official options.

Cash route

Amscot and MoneyGram cash payments are listed as payment locations. Bring the remittance slip.

Look at the account number first

Toho’s payment page says your account number is in the top-right corner of the bill. The number of digits controls the right payment portal, phone number, mail address and reconnection call-back route.

Choose the right portal

Use Level One for 18-digit account numbers. Use InvoiceCloud for 8-digit or 9-digit account numbers. Registering lets you schedule payments, set up autopay and use pay-by-text options where available.

Check fees before submitting

E-check is listed as free for online payments. Card fees vary: 18-digit accounts have a $1.25 per $100 card fee for one-time card payment, while 8/9-digit accounts list a $3.25 per $1,000 card convenience fee.

Save proof and call if urgent

Save the confirmation number, amount, date, payment method and account number. If water has been disconnected or the deadline is close, call the correct customer-service number after paying.

Payment route
18-digit account numbers
8-digit / 9-digit account numbers
Practical warning
Online portal
Level One processes online credit-card and e-check payments.
InvoiceCloud processes online credit-card and e-check payments.
Use the account-number length from the bill before choosing the portal.
Online e-check
Free for e-check.
No cost to pay by e-check online.
Enter routing and account numbers carefully to avoid returned-item fees.
Online card
Free for card when using an online payment account; $1.25 per $100 for one-time debit/credit card.
InvoiceCloud card convenience fee is $3.25 per $1,000.
Card transaction limit is listed as $1,000.
Pay by text
Create online account, then enable pay by text in profile settings.
Use Pay Now or Register Account in InvoiceCloud to set up pay by text.
Pay-by-text still depends on a correctly registered account and payment source.
Phone payment
407-944-5000 automated phone payment available 24/7.
407-957-7344 for e-check or card payment.
For urgent reconnection, call customer service after paying.
Mail
Toho Water Authority, PO Box 30527, Tampa, FL 33630-3527.
Toho Water Authority, PO Box 31304, Tampa, FL 33631-3304.
Include bill stub and account number; do not mail if service is already at risk.
Cash payment locations
Amscot and MoneyGram cash-only locations.
Amscot cash-only locations; St. Cloud materials also reference Amscot for immediate delinquent payment.
Bring remittance slip and call if account has been disconnected.
St. Cloud walk-in center
Use Toho’s current route for your account type.
Credit/debit card and e-check payments can be made at the computer station at St. Cloud City Hall, Building A, first floor, Monday-Friday 8 a.m.-4 p.m.
The computer station is not the same as a utility cashier taking all payment types.

Do not mix mail addresses: Toho lists different mailing addresses for 18-digit and 8/9-digit accounts. Use the address printed on the bill or the current Ways to Pay page if you are mailing a check or money order.

Payment confirmation script: “I paid St. Cloud / Toho account [account number] for [service address] on [date/time] by [Level One / InvoiceCloud / phone / mail / Amscot / MoneyGram / City Hall computer station]. My confirmation or receipt number is [number]. Can you confirm posting, remaining balance, late/disconnect status and whether reconnection steps remain?”

Start, Stop, Move or Vacation-Hold St. Cloud Water Service

Start service

  • Use Toho’s Start Service online form or call customer service.
  • Prepare the service address.
  • Provide a U.S. driver’s license or state ID if available for soft credit check.
  • If you are a tenant, provide a signed lease agreement.
  • Expect a $30 initiation fee.
  • Residential deposits can range from $0 to $200.

Stop service

  • Use Toho’s Stop Service route before moving out.
  • Have the service address ready.
  • Provide a forwarding address.
  • Deposit balances are mailed to the forwarding address if applicable.
  • Watch for email confirmation at least one business day before requested stop date.

Move service

  • Use Move Service if moving within Toho’s service area.
  • Provide old and new service addresses.
  • Tenants should provide signed lease agreement.
  • Current account deposits transfer to the new account.
  • A $30 initiation fee appears on the next water bill.
Service action
Official rule / detail
What to do carefully
Start first-time service
Needs service address, ID/soft credit check, tenant lease if applicable, $30 initiation fee and possible deposit.
If you cannot provide driver’s license or state ID, Toho says the deposit amount is $200.
Residential deposit
Residential deposits range from $0 to $200 and may be waived if soft credit check shows good standing.
Ask for the exact deposit before move day.
Commercial 3/4-inch meter
Commercial deposit is $100-$200 depending on credit history.
Commercial applicants should verify meter size and entity documentation.
Commercial 1-inch and above
Deposit is $1,000 per meter size inch.
Budget for a larger commercial deposit before opening service.
Stop service
Needs service address and forwarding address.
Do not assume a new tenant, buyer or landlord automatically stops your account.
Move service
Needs old and new service address; deposits transfer; $30 initiation fee appears on next bill.
Use Move Service only if staying within Toho service area.
Vacation status
For customers away more than 30 days; presently available only to 18-digit account-number customers.
Service start again is assessed a $30 initiation fee.
First bill timing
Common Questions says the first bill normally mails within 4-6 weeks after service start date.
Call 407-944-5000 if no bill arrives after that period.

Deposit refund note: Toho’s common questions say deposits are refunded as a credit on the final bill; if the credit is more than the final bill, a refund check is issued to the account holder. Some residential customers may request deposit refund after two years of good credit history, depending on account status.

Move-service script: “I need to [start / stop / move / vacation hold] St. Cloud water service for [address] on [date]. My account number is [number if available]. I have [ID / lease / forwarding address / old and new addresses]. What deposit, initiation fee, confirmation timing or first-bill timing applies?”

Past Due, Payment Extension, TAP Assistance, Disconnection and Reconnection

Late charge

For both 18-digit and 8/9-digit accounts, Toho lists a late charge of $5 or 5% of the past-due amount, whichever is greater.

Delinquent fee

Accounts that become delinquent are assessed a $50 fee and may face interruption of water service.

Ask before past due

Toho says customers should request a payment extension before going past due.

Account status
Official rule / route
Best next action
Cannot pay current bill
Use Payment Extension before going past due.
Apply online or call customer service with amount due and proposed payment date.
Hardship / assistance need
Toho Assistance Program offers financial assistance to qualifying customers; St. Cloud Cares is routed through Osceola Council on Aging.
Call 407-846-8532 or apply online through Osceola Council on Aging.
Bill past due
Late charge is $5 or 5% of past-due amount, whichever is greater.
Pay immediately and request assistance before disconnection notice becomes urgent.
Delinquent account
$50 delinquent fee; subject to interruption of water services.
Use immediate payment route, not slow mail.
18-digit account payment after disconnection
Customer must notify Toho at 407-944-5000 after paid in full.
Call with receipt/confirmation after paying.
8/9-digit account payment after disconnection
Customer must notify Toho at 407-957-7344 after paid in full.
Call with receipt/confirmation after paying.
Weekday reconnection before 2 p.m.
Payment before 2 p.m. can be connected same day with no additional premium fee.
Pay early, then call to confirm account status.
Weekday reconnection after 2 p.m. up to 7 p.m.
Premium same-day reconnection fee of $25 applies.
Ask whether paying after 2 p.m. will restore same day or next business day.
Weekend / holiday reconnection
$25 premium reconnect fee applies; same-day weekend/holiday reconnection requires payment before 2 p.m.
Do not wait until late afternoon on weekends or holidays.
Running water at reconnection
Reconnection will not occur if running water is detected when meter is turned on.
Turn off all plumbing fixtures before the technician reconnects service.

Returned-item warning: Toho lists a $25 returned-item fee. If an account has multiple returned items, it can be placed in cash-only status for one year or indefinitely after a third occurrence.

Reconnection script: “My St. Cloud / Toho account [account number] at [service address] was disconnected or is scheduled for disconnection. I paid [amount] at [time] by [method]. My confirmation is [number]. Are all fees paid in full, do I owe the $25 premium reconnect fee, and should I turn off all fixtures before reconnection?”

2026 St. Cloud / Toho Rates and Account Fees: How to Verify the Right Schedule

Current rate hub

Use Toho’s Rates and Fees page for the current rate schedule, residential calculator, account fees, development fees and downloadable PDFs.

Consumption billing

Toho says inside and outside water consumption is measured in gallons and billed per thousand gallons used each month.

Partial thousands

Any partial thousand-gallon increment is not billed in the current month and is applied toward the following month’s consumption.

Rate / fee question
What Toho publishes or explains
What to do before estimating
Current water and sewer rates
Rates and Fees page links the current Rates Schedule and Residential Rates Calculator.
Use the current downloadable schedule or calculator, not an old St. Cloud rate PDF.
Inside vs. outside service area
Toho rate schedules can distinguish service location and account type.
Use the service address and account number to confirm the exact class.
Water consumption
Measured in gallons and billed per thousand gallons used monthly.
Compare billed usage with meter/usage portal history if available.
Partial 1,000-gallon increment
Partial thousand-gallon increment is not billed in the current month and is applied to the following month.
Ask Customer Service if a billing-period comparison seems confusing.
Residential start-service deposit
$0-$200 depending on credit check; $200 if driver’s license/state ID cannot be provided for soft credit check.
Ask for the exact deposit before setting move-in expectations.
Initiation fee
$30 for start service, move service, and returning from vacation status.
Expect it on the next bill or as part of service setup, depending on route.
Commercial deposits
$100-$200 for 3/4-inch meters depending on credit history; $1,000 per meter size inch for 1-inch meters and above.
Confirm meter size before opening a business account.
Late charge
$5 or 5% of the past-due amount, whichever is greater.
Request payment extension before due date if needed.
Delinquent fee
$50 when accounts become delinquent.
Call immediately if the account has a disconnect notice.
Premium reconnect fee
$25 for weekday after-2 p.m. to 7 p.m. same-day reconnection and for weekend/holiday reconnection.
Pay before 2 p.m. where possible to avoid premium fee and timing problems.

Rate-table honesty: Because Toho maintains a current rate schedule and calculator on its own site, this guide should not lock readers into a copied old rate table. Use the live Rates Schedule for exact 2026 line-item math, especially for reclaimed water, irrigation, commercial accounts, meter-size differences and outside-service-area accounts.

High Bill, Leak, Pool Fill or Unexplained Usage: Toho Usage Credit Request

1. Find the spike

Compare usage with the highest usage and average usage from the past year.

2. Fix the issue

Submit usage-credit requests after usage has returned to normal.

3. Check eligibility

Increased usage must meet Toho’s threshold for qualifying consideration.

4. Apply once

Customers can apply once during a rolling 12-month period.

High-usage clue
Toho rule / practical check
What to do next
Qualifying high usage
Usage must be at least 10,000 gallons more than the highest usage from the past year or twice the average usage from the past year.
Calculate using bills/usage history before applying.
Leak repaired
Toho provides credit adjustment for the highest bill during a qualifying high-consumption period.
Wait until usage returns to normal, then submit the request.
Pool fill
Pool fills may qualify under the usage-credit process.
Keep pool-fill date, amount and contractor/receipt details.
Unexplained high consumption
May be eligible if it meets threshold and Toho criteria.
Ask Customer Service what documents to attach.
Water softener issue
Toho says water softener issues do not qualify.
Fix softener promptly, but do not assume credit approval.
Irrigation timer issue
Toho says irrigation timer issues do not qualify.
Use irrigation help and correct the controller schedule.
Forgot hose on
Forgetting to turn off a hose does not qualify.
Ask for payment extension instead if the bill creates hardship.
Bill is high but not yet fixed
Toho says submit after water usage has returned to normal.
Find and stop leak first, then apply.

Call Toho before a plumber: St. Cloud guidance says customers should contact Toho for water, backflow or sewer concerns before calling a plumber so Toho can evaluate whether a plumber is necessary.

High-bill script: “My St. Cloud / Toho bill increased from [normal usage] to [current usage]. The issue was [leak / pool fill / unexplained use]. Usage returned to normal on [date]. I have [repair receipt / photos / bill history]. Does my account meet the 10,000-gallon or twice-average threshold for a Usage Credit Request?”

2026 Irrigation Days, Reclaimed Water and Watering Mistakes That Raise Bills

18-digit account schedule

Odd addresses water Wednesday/Saturday, even addresses Thursday/Sunday, and non-residential customers Monday/Friday, with no watering 10 a.m.-4 p.m.

8-digit account schedule

8-digit account watering windows are assigned by the final digit of the house number, with specific overnight windows.

Citation risks

Toho may issue citations for watering outside scheduled days/times, irrigation leaks, runoff and watering after significant rainfall.

Schedule / issue
Official detail
Customer action
18-digit odd house numbers
Wednesday and Saturday.
Do not water between 10 a.m. and 4 p.m.
18-digit even house numbers
Thursday and Sunday.
Check special neighborhood exceptions before programming timer.
18-digit non-residential customers
Monday and Friday.
Applies to businesses, schools, government, churches, subdivision common areas, recreation areas and medians.
Lake Ajay Village
Monday and Thursday from 12 a.m.-3 a.m.
Use neighborhood-specific rule if it applies.
Split Oak Estates
Tuesday and Friday from 12 a.m.-10 a.m.
Use the specific community window.
8-digit account homes ending 0, 1, 2
Tuesday/Friday windows: 0 is 12-2:30 a.m.; 1 is 2:30-5 a.m.; 2 is 5-7:30 a.m.
Set irrigation controller by final house-number digit.
8-digit account homes ending 3, 4, 5
Wednesday/Saturday windows: 3 is 12-2:30 a.m.; 4 is 2:30-5 a.m.; 5 is 5-7:30 a.m.
Double-check after moving into older St. Cloud accounts.
8-digit account homes ending 6, 7, 8
Thursday/Sunday windows: 6 is 12-2:30 a.m.; 7 is 2:30-5 a.m.; 8 is 5-7:30 a.m.
Watch for broken sprinkler heads during early-morning cycles.
8-digit account homes ending 9
Wednesday and Saturday from 9 p.m.-11:30 p.m.
This is an evening window, unlike many overnight windows.
New sod
Newly sodded areas can be watered more often for 30 days; days 1-10 twice a day, days 11-20 reduced frequency, days 21-30 transition to two-day schedule.
Keep receipt/invoice/cancelled check or proof of sod start date if cited.

Free irrigation help: Toho says customers can submit an irrigation evaluation request and specialists will set the timer and identify system issues at no cost.

Water Quality, Lead/Copper, Reclaimed Water, Backflow and System Questions

Annual report

Toho publishes annual water quality reports and says St. Cloud customers can request printed copies through Customer Service.

Lead and copper

Toho’s St. Cloud Lead and Copper public notice identifies the St. Cloud Water System and Environmental Compliance routing.

Backflow / cross-connection

For backflow concerns, contact Toho before calling a plumber so the utility can determine whether private plumbing work is needed.

Water-quality need
Official route
Customer action
Annual drinking-water results
Use Toho Water Quality Reports and choose the report for your service area.
Open the newest report first and call if you need a printed copy.
Water is safe to drink?
Toho common questions say Toho provides drinking water that follows state and federal regulations.
Use the water quality report for your area, then call for specific questions.
Lead/copper concern
Use Toho’s Lead and Copper Program and St. Cloud notices.
Ask whether concern is utility-side, premise plumbing, fixture or service-line related.
Backflow issue
Contact Toho before calling a plumber.
Report backflow assembly, irrigation, pool, commercial equipment or cross-connection details.
Sewer issue
Call Toho’s 24/7 emergency routing for sewer-related emergencies.
Stop using water if wastewater is backing up, avoid contact and report exact location.
Water or sewer line break
Toho call center handles emergency calls 24/7.
Call with address, nearest cross street, visible flow and photo if safe.
Reclaimed water
Reclaimed-water customers follow irrigation schedules listed on Toho’s watering page.
Do not treat reclaimed irrigation availability as unlimited; Toho says supply is limited.
Flushing / temporary treatment changes
Check Toho News & Alerts for area notices.
Look for advisory status and service-area details before assuming a private plumbing issue.

St. Cloud FL vs. St. Cloud MN, OUC, Osceola County, CDD or Apartment Billing

Before paying: “St. Cloud Water Utilities” is an ambiguous search term. This guide is for St. Cloud, Florida water/wastewater/reclaimed-water service through Toho Water Authority. Match the bill provider and account-number format before entering card or bank information.

If your bill says…
Use this route
Avoid this mistake
Toho Water Authority / St. Cloud FL water, wastewater, reclaimed water
Use Toho’s Ways to Pay, 407-957-7344 for 8/9-digit St. Cloud accounts or 407-944-5000 for 18-digit accounts.
Do not pay St. Cloud, Minnesota or another city portal.
City of St. Cloud, FL utility transition information
Use StCloudFL.gov Utilities pages for St. Cloud-specific service-center details and Toho routing.
Do not assume the City Hall general number handles every billing task directly.
OUC bill
Use OUC’s account number and payment method; St. Cloud City Hall may have limited payment routing only where officially stated.
Do not confuse electric bill payment with water/wastewater payment.
Apartment, landlord, HOA or submeter company
Ask whether water is direct-billed, submetered, allocated or included in rent/fees.
Do not open a Toho account unless the utility directly bills your unit or property.
Private well, septic or CDD
Use the well/septic professional, health department or CDD billing route named on the statement.
Do not call Toho for private well pump failure unless you also receive Toho service.
St. Cloud, Minnesota
Use the Minnesota city utility billing page and 320-area phone numbers.
Do not use Florida’s Toho portals for Minnesota accounts.

Google Map: St. Cloud Walk-In Customer Service Center

Visit note: The St. Cloud walk-in center is listed at 1300 9th Street, Building A, First Floor. Walk-in hours are Monday-Friday, 8 a.m.-4 p.m. For regular billing calls, use the proper customer-service number first so you know whether your account is 8/9-digit or 18-digit and which portal/mail/payment route applies.

Route
Address / phone
Use for
St. Cloud walk-in center
1300 9th Street, Building A, First Floor, St. Cloud, FL 34769
Walk-in customer-service access and computer-station payment for eligible St. Cloud/InvoiceCloud accounts.
St. Cloud account phone
407-957-7344
8/9-digit account billing, payment, start/stop/transfer and St. Cloud utility help.
Toho main call center
407-944-5000
18-digit account customer service, payment, start/stop/move and 24/7 emergencies.
Toho administrative address
951 Martin Luther King Blvd., Kissimmee, FL 34741
Main Toho administrative contact reference.
18-digit mail payment
Toho Water Authority, PO Box 30527, Tampa, FL 33630-3527
Mail check or money order with bill stub/account number.
8/9-digit mail payment
Toho Water Authority, PO Box 31304, Tampa, FL 33631-3304
Mail check or money order with bill stub/account number.
Payment assistance
Osceola Council on Aging: 407-846-8532
St. Cloud Cares / TAP assistance application route for qualifying customers.
Irrigation citation / new sod proof
407-944-5124
Call if cited during the 30-day new-sod establishment period and provide proof of start date.

St. Cloud Water Utilities FAQ

What is the St. Cloud FL water utility phone number?

For St. Cloud 8-digit or 9-digit water accounts, call 407-957-7344. For Toho 18-digit accounts or the main Toho call center, call 407-944-5000. Customer call center hours are Monday through Friday, 8 a.m. to 5 p.m., and water/sewer emergencies are handled 24/7.

Where do I pay my St. Cloud water bill online?

Use Toho Water Authority’s Ways to Pay page and choose the correct payment portal based on your account-number length. 18-digit account numbers use Level One, while 8-digit or 9-digit account numbers use InvoiceCloud.

What is the St. Cloud walk-in payment location?

The St. Cloud Customer Service Center is at 1300 9th Street, Building A, First Floor, St. Cloud, FL 34769. The walk-in center is listed as open Monday through Friday from 8 a.m. to 4 p.m.

Can I pay a St. Cloud 8/9-digit account by phone?

Yes. Call 407-957-7344 to pay by e-check or debit/credit card for 8-digit or 9-digit accounts. E-check is listed with no online cost, while card payments have a listed $3.25 convenience fee for 8/9-digit account payments.

Can I pay a Toho 18-digit account by phone?

Yes. Call 407-944-5000 for Toho’s automated phone payment system, available 24 hours a day. The official Ways to Pay page lists e-check as free and debit/credit card payments at $1.25 per $100 for phone payments.

How do I start St. Cloud water service?

Use Toho’s Start Service online form or call customer service. You need the service address, ID for a soft credit check, and a signed lease if you are a tenant. There is a $30 initiation fee, and residential deposits range from $0 to $200.

What happens if my St. Cloud water account is delinquent?

Toho lists a late charge of $5 or 5% of the past-due amount, whichever is greater. Accounts that become delinquent are assessed a $50 fee and may be interrupted. If disconnected, the account balance and assessed fees must be paid in full.

When will disconnected water service be restored?

For reconnection, payment before 2 p.m. can restore service the same day with no additional premium fee. Payment after 2 p.m. up to 7 p.m. can incur a $25 premium same-day reconnect fee. Weekend and holiday reconnections also carry a $25 premium reconnect fee.

Can I request help if my St. Cloud water bill is too high?

Yes. For hardship, use a payment extension or TAP assistance. For qualifying leaks, pool fills or unexplained high usage, Toho offers a Usage Credit Request once in a rolling 12-month period if the usage increase meets the threshold.

What are St. Cloud irrigation days?

For 18-digit accounts, odd house numbers water Wednesday and Saturday, even house numbers water Thursday and Sunday, and non-residential customers water Monday and Friday, with no watering between 10 a.m. and 4 p.m. For 8-digit accounts, use the schedule based on the final digit of the house number.

30-Second St. Cloud Water Utilities Checklist

Pay/login: use Toho Ways to Pay, then choose Level One for 18-digit accounts or InvoiceCloud for 8/9-digit accounts.

Phone: St. Cloud 8/9-digit accounts use 407-957-7344; Toho 18-digit accounts use 407-944-5000.

Office: St. Cloud walk-in center is 1300 9th Street, Building A, First Floor, open Monday-Friday, 8 a.m.-4 p.m.; phone hours are 8 a.m.-5 p.m.

New service: prepare service address, ID, tenant lease if applicable, $30 initiation fee and possible deposit from $0-$200.

Late account: late charge is $5 or 5% of past due, delinquent fee is $50, and reconnect rules depend on payment time and account-number type.

High bill: check leaks and irrigation first, then use Usage Credit Request after usage returns to normal if the bill meets Toho’s threshold.

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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