Panama City Beach Water Bill & Service Help
Need to pay a City of Panama City Beach water bill, use Paymentus, call Utility Billing, start or transfer water service, stop service, understand deposits, check a high bill, report a water or sewer leak, or read the 2026 rate sheet? This guide gives the official route first and keeps the steps short, local and useful.
Do This First If You Just Need the Right Panama City Beach Answer
Use the official Paymentus portal. One-time payment needs your account number from the bill.
Open PaymentusCall 888-977-8721 with your account number. Do not include leading zeros.
Call 888-977-8721Use the secure city form for new service, transfer or termination.
New service formUse SeeClickFix for normal reports. After-hours emergency water/sewer concerns go to 850-233-5050 option 3.
Call emergency lineHow to Pay a Panama City Beach Water Bill Online
Open the official Paymentus portal
Start from the City’s Pay My Water Bill page or go directly to the Panama City Beach Paymentus customer portal.
Use the account number from your invoice
For online or phone payment, the City says you need the account number located on your invoice. Do not enter leading zeros. Example: if the bill shows 000035647-00034918, enter 35647-34918.
Choose one-time payment or account login
One-time payment works without registering. Create a portal login if you want AutoPay and ongoing online access.
Save the confirmation number
Paymentus says payments made before midnight post next day; payments after midnight post within 48 hours. If disconnection or reactivation is involved, call Utility Billing instead of relying only on the portal.
Panama City Beach Water Bill Payment Options
| Payment option | Official detail | Best for | Practical warning |
|---|---|---|---|
| Online Paymentus | Pay online through the City’s Utility Billing portal. The City says it does not charge for debit/credit card payments. | Fast payment, one-time payment, account login and AutoPay setup. | Use the account number without leading zeros. |
| Phone payment | Call 888-977-8721 and pay with your account number. | Customers who prefer not to log in online. | Keep the confirmation number, especially if payment is late or service is disconnected. |
| Mail payment | Mail to City of Panama City Beach, ATTN: Utility Billing and Customer Service, 230 S Arnold Rd., Panama City Beach, FL 32413. | Non-urgent payment by mail. | Postmarks are not acknowledged. Do not use mail near the due date or shutoff timing. |
| Drop-off payment box | The City says the drop-off payment box is at the end of the driveway off San Vincente St. | Local payment drop-off when immediate office interaction is not needed. | Night drop payments are credited next business day. The Public Services Building mailbox/dropbox at 116 S Arnold Rd. is no longer used for water bill payments. |
| Office payment | Utility Billing is at 230 S Arnold Road and office hours are Monday-Friday, 7:30 a.m.-4 p.m. | Customers needing help with bills, deposits, forms, reconnection or account issues. | Payments must be in office by 4 p.m. on the due date to avoid penalty. |
Paymentus Login, Registration and AutoPay
One-time payment
Paymentus says you can pay in three steps without registering. You only need the account number from the paper bill.
Portal login
To use the portal, you must have an email address, create a password and confirm your registration by clicking the email link.
AutoPay setup
The City says customers can set up AutoPay online so payments are not late. If AutoPay has an error, check City notices and call Utility Billing.
Panama City Beach Utility Billing Phone, Office and Emergency Contacts
Utility Billing
850-233-5100 ext. 3
Use for bills, meter readings, payments, account forms, deposits, new service, transfers and terminations.
Pay by phone
888-977-8721
Use your account number without leading zeros. Save the confirmation number.
After-hours emergency
850-233-5050 option 3
Use for after-hours emergency water/sewer concerns needing Underground Utilities response.
Billing office
230 S Arnold Road
Panama City Beach, FL 32413. Hours: Monday-Friday, 7:30 a.m.-4 p.m.
Utilities Department
17005 Panama City Beach Parkway, Panama City Beach, FL 32413. Phone: 850-233-5100 ext. 3.
Water quality questions
The 2025 report says water quality report questions can be directed to 850-233-5100 ext. 6888.
Main city contact
17007 Panama City Beach Parkway, Panama City Beach, FL 32413. Main phone: 850-233-5100.
Start, Transfer or Stop Water and Sewer Service
Start new service
Use the secure Utility Service Application. The form asks for service type, service address, requested activation date, bill delivery choice, government-issued photo ID, last four of SSN, email and phone.
Transfer service
Use the Utility Service Transfer form. It asks for current service address, account number, requested transfer date, new service address, bill delivery choice and ID verification.
Terminate service
Use the Utility Service Termination form. It asks for account number, service address, requested termination date, forwarding address, photo ID and contact information.
Deposits, New Account Fees and Refund Rules
| Item | Official amount / rule | What it means for customers |
|---|---|---|
| Deposit | $150 | Required for all new service locations, even if you had service at another location or were a previous customer. |
| New account fee inside city limits | $50 | One-time non-refundable account activation/reset fee. |
| New account fee outside city limits | $62.50 | One-time non-refundable account activation/reset fee. |
| Deposit refund on active account | After 3 years / 36 continuous months of satisfactory payment history | Rate sheet says deposit may be refunded if customer has no more than two late payments and no cut-offs due to non-payment. |
| Deposit on final bill | Applied to final bill or balance | Any remaining credit is issued by check and mailed to the forwarding address provided. |
| Minimum account information | Full legal name, mailing address, legal ID copy, phone number, SSN; business name/contact/EIN for business accounts | Responsible party may be reported to collections for non-payment. |
Penalty, Non-Payment Disconnection and Reactivation Rules
| Situation | Official detail | Best next step |
|---|---|---|
| Payment due date | Payments must be made online, by phone or in the office by 4 p.m. on the due date. | Pay before 4 p.m. if the due date is today. |
| Night drop payment | Night drop payments are credited the next business day. | Do not use night drop for last-minute due-date payment. |
| Late penalty | 10% penalty is charged for payments received after the due date. Postmarks are not acknowledged. | Use online/phone/in-office payment when timing matters. |
| Disconnected for non-payment | Past-due balance and reactivation fee must be paid in full before service is restored. | Pay the full required balance and confirm reconnection timing with Utility Billing. |
| Payment after 2 p.m. for non-payment disconnection | Payments made after 2 p.m. for disconnections for non-payment are reconnected the following business day. | Pay before 2 p.m. if same-business-day reconnection matters. |
| Business-hours reactivation inside city | $50 | Applies to inside-city accounts during business hours. |
| Business-hours reactivation outside city | $62.50 | Applies to outside-city accounts during business hours. |
| After-hours service request inside city | $200 | Applies for after-hours reactivation, shutoff and customer-side issues. |
| After-hours service request outside city | $250 | Applies for after-hours reactivation, shutoff and customer-side issues. |
Panama City Beach 2026 Water, Sewer and Reclaimed Water Rates
The City rate sheet is effective February 1, 2026. It says billing is bi-monthly on even months: February, April, June, August, October and December.
| Rate item | Inside city | Outside city | Practical meaning |
|---|---|---|---|
| 5/8” or 3/4” monthly water fee | $37.54 | $46.92 | Common small-meter water base amount per unit. |
| Minimum WA/SW for 0–6,000 gallons over 2 months | $87.42 | $109.28 | Minimum combined water/sewer amount for common residential use. |
| Minimum water-only for 0–6,000 gallons over 2 months | $37.54 | $46.92 | Water-only minimum where sewer does not apply. |
| Sewer residential/apartment/condo | $49.88 per unit/month | $62.36 per unit/month | Monthly sewer fee category for residential units. |
| Sewer availability flat rate | $24.84 | $31.06 | Availability fee category from the rate sheet. |
| Reclaimed water 3/4” | $22.66 | $28.32 | For qualifying reclaimed/reuse irrigation accounts. |
| Reclaimed water 1” | $34.06 | $42.58 | For larger reclaimed/reuse service. |
| Consumption above minimum | Water $3.58 / Sewer $3.70 / Reuse $0.95 per 1,000 gallons | Water $4.48 / Sewer $4.63 / Reuse $1.19 per 1,000 gallons | Applies above the 6,000-gallon minimum allowance. |
High Water Bill or Possible Leak? Check These First
Turn off all water use
Make sure you are not actively using water in the home. Appliances should be off, do not flush toilets, and all faucets should be turned off.
Locate the meter and watch the reading
Carefully remove the meter lid, clear sand or debris if needed, and watch the meter reading. If no water is being used, the reading should remain steady.
Check for slower leaks
Write down the reading, avoid water use, and re-check later. If the number changed, water moved through the meter.
Call a plumber or leak detection company if needed
The City FAQ says if you have a leak, you will need to contact a leak detection company or plumber. For suspected city right-of-way line issues, use SeeClickFix or the emergency line.
Inside checks
Toilets, faucets, showerheads, ice makers, water softeners and under-sink lines are common silent leak points.
Outside checks
Look at hose bibs, irrigation lines, sprinkler heads, pool fill lines, wet sand or wet pavement near the meter.
Meter reread/testing
The fee schedule lists no fee for the first meter reread per calendar year, $25 for each additional reread, and $75 meter accuracy testing refundable if the meter is inaccurate.
Sprinkler Bills, Reclaimed Water and Backflow Letters
“SS” on bill address
The City FAQ says “SS” on the address line of a water bill indicates the account is for a sprinkler system.
Reclaimed / reuse water
Reclaimed water is non-potable water available in certain sections of the City for irrigation purposes only. Call 850-233-5100 ext. 3 to see if it is available in your area.
Backflow devices
The FAQ says backflow devices are required on potable sprinkler systems with their own meter and on commercial locations. Call Cross Connection Control at 850-233-5100 with questions.
Panama City Beach 2025 Water Quality Report
Water source
The 2025 report says Panama City Beach purchases all drinking water used in its utility franchise service area from the Bay County Water System.
Deer Point Reservoir
The report explains Deer Point Reservoir supplies the Bay County system and water is treated at the Bay County Water Treatment Plant.
Report questions
For questions regarding the water quality report or water utility, the report lists 850-233-5100 ext. 6888.
New Construction, Sewer Tie-In, Impact Fees and Utility Locates
New home / meter
The FAQ says water and sewer impact fees must be paid before obtaining a building permit. Plans should be submitted for fee calculation.
Septic to sewer
Customers must contact Water and Sewer Impact Fees to confirm availability and pay impact fees. The City does not switch the property; a licensed plumber must do the work.
Call before digging
Panama City Beach is an active member of Sunshine 811. Call 811 or 800-432-4770 before excavation so water, sewer and reclaimed lines in right-of-ways can be located.
Local PCB Utility Tips That Save Time
Do not confuse Panama City Beach with Panama City
Panama City Beach uses pcbfl.gov and Paymentus client pcb1. Panama City, FL uses different utility billing pages, phone numbers and portals.
Remove leading zeros before paying
The City specifically tells customers not to include zeros in front of the account number when paying online or by phone.
Install your own shutoff valve
The 2026 rate sheet says the city valve belongs to the City and customers are urged to install their own valve between the meter and dwelling.
Turn water off when leaving
The rate sheet asks customers to turn water off at their personal valve when leaving for even a few days. This is your practical protection against leaks while away.
Panama City Beach Water Bill Problems: Quick Fix Table
| Problem | Likely reason | Best next step |
|---|---|---|
| Paymentus cannot find account | Leading zeros were entered, account number is old, or wrong utility portal is being used. | Use the latest invoice and remove leading zeros before submitting. |
| Payment made after midnight | Paymentus says payments after midnight post within 48 hours. | Keep confirmation number and call Utility Billing if disconnection is involved. |
| Payment made after 2 p.m. for disconnected account | City says non-payment reconnection after 2 p.m. is the following business day. | Call 850-233-5100 ext. 3 to confirm restoration timing. |
| High bill after no obvious extra use | Toilet leak, irrigation leak, pool fill, hose, customer-side line issue or slow leak. | Turn off all water, read the meter, recheck later, then call a plumber/leak detection company if movement continues. |
| Need after-hours reactivation or customer-side shutoff | After-hours service fees apply. | Expect $200 inside city or $250 outside city, plus other applicable fees/deposits. |
| Received backflow letter | Potable sprinkler meter or commercial location may need backflow device action. | Call Cross Connection Control through 850-233-5100 for guidance. |
Panama City Beach Utility Billing Map and Visit Planning
Use this map for Utility Billing at 230 S Arnold Road. For Utilities Department administration and operations, the City lists 17005 Panama City Beach Parkway. Call first if your task is billing, reconnection, new service, forms or water quality.
Utility Billing / Customer Service
230 S Arnold Road, Panama City Beach, FL 32413. Phone: 850-233-5100 ext. 3. Hours: Monday-Friday, 7:30 a.m.-4 p.m.
Utilities Department
17005 Panama City Beach Parkway, Panama City Beach, FL 32413. Use for utilities department reference and department-level questions.
Bring before visiting
Invoice, account number, cycle/route if registering, photo ID, SSN last four, deposit/payment method, confirmation number and service form details.
Official Panama City Beach Water Links Used in This Guide
Panama City Beach Water Department FAQs
Where do I pay my Panama City Beach water bill online?
Use the official City of Panama City Beach Paymentus customer portal at ipn.paymentus.com/cp/pcb1, or start from the City’s Pay My Water Bill page.
Can I make a one-time PCB water bill payment without registering?
Yes. Paymentus offers one-time payment without registering. You need the account number from your paper bill.
What account number should I enter?
Use the account number on your invoice but do not include leading zeros. For example, 000035647-00034918 should be entered as 35647-34918.
What is the Panama City Beach water bill phone payment number?
Call 888-977-8721 and have your account number ready.
What is the Panama City Beach Utility Billing phone number?
Call Utility Billing and Customer Service at 850-233-5100 ext. 3.
Where is the Panama City Beach Utility Billing office?
Utility Billing is at 230 S Arnold Road, Panama City Beach, FL 32413. Office hours are Monday-Friday, 7:30 a.m. to 4 p.m.
How do I start water service in Panama City Beach?
Submit the official Utility Service Application. The City requires a $150 deposit and a one-time activation fee of $50 inside city limits or $62.50 outside city limits.
How do I transfer or terminate service?
Use the City’s secure Utility Service Transfer form or Utility Service Termination form. Termination requests require account number, current service address, requested termination date, forwarding address, ID upload and contact information.
When do I get my deposit back?
The deposit can be applied to an active account after three years of satisfactory payment history, or applied to the final bill or balance. Any remaining funds are issued by check and mailed to the forwarding address.
What happens if service is disconnected for non-payment?
The past-due balance and reactivation fee must be paid in full before service is restored. Payments made after 2 p.m. for non-payment disconnections are reconnected the following business day.
What are the reactivation fees?
Business-hours reactivation is $50 inside city limits and $62.50 outside city limits. After-hours service requests for reactivation, shutoff and customer-side issues are $200 inside city limits and $250 outside city limits.
How do I report a water or sewer leak?
Use the City’s SeeClickFix app for suspected broken or clogged city right-of-way lines. For after-hours emergency water or sewer concerns, call 850-233-5050 option 3.
What does “SS” mean on my water bill address?
The City FAQ says “SS” on the address line of a water bill indicates it is for a sprinkler system.
Does this page collect Panama City Beach water bill payments?
No. This is an independent informational guide. Use official City of Panama City Beach and Paymentus links for live balance, payment, service requests, forms and account help.
Pay Your Water Bill Safely, Fix High Bills, Avoid Shutoff, Start Service and Find Official Utility Links
Use this free USA water bill assistant before paying online, calling utility billing, setting up AutoPay, checking a high bill, requesting leak help, starting or stopping service, handling a past due account, or searching for the official city utility portal.
What water bill problem do you need to solve?
Choose your situation. The tool will suggest the safest route, what to prepare, and which official page or office to check first.
Open the official city, county, water authority or utility website first. Do not enter account details into a random sponsored payment page.
If the bill is unusually high, compare usage, billing days, meter read type, toilet leaks, irrigation, late fees and leak adjustment rules before paying blindly.
Safe Water Bill Payment Route
Choose how you want to pay. This helps users avoid wrong portals, posting delays and urgent shutoff mistakes.
AutoPay / Bank Draft Setup Helper
Use this before enrolling in recurring payments so the first draft, current balance and payment date do not surprise you.
High Water Bill Review
Compare your normal bill and usage with the current bill. This gives a practical path before requesting a high bill review.
Leak Adjustment Proof Checklist
Use this before asking for a leak adjustment, high bill review, sewer adjustment or payment plan.
Past Due, Shutoff Notice and Reconnect Helper
Use this if your bill is late, you received a shutoff notice, service is off, or you need a payment plan.
Start, Stop or Transfer Water Service
Use this before moving, closing an account, starting service, transferring service or requesting a final bill.
Water Bill Cost Estimate
Estimate a simple monthly bill from base charge, water usage, sewer, stormwater, trash, service fees and late charges. Official tiered rates may be different.
Bill Dispute and Meter Reading Checklist
Use this before calling billing support about a meter reading, duplicate payment, wrong address, missing payment, estimated bill, or incorrect charge.
Official Water Bill Portal and Phone Finder
Enter city/utility and state to create safe searches for official water bill pay, phone payment, guest pay, AutoPay, start service, leak adjustment, reconnect, assistance and this site’s guide.
Official portal safety
- Use official city, county, authority or utility websites first.
- Check service address before paying.
- Save confirmation number and screenshot.
- Call the utility for shutoff or reconnect situations.
Best sitewide placement
Place this tool after the first payment section or before FAQs. It turns every water bill article into a practical help page, not only a list of links.
Important note
This tool gives educational guidance only. Always confirm payment portals, fees, shutoff rules, assistance programs, account balance and reconnection steps with the official utility.