Several inland water bodies in the St. Louis Bay watershed have been identified as being potentially impaired due to low level of dissolved oxygen (DO). In order to calculate the total maximum daily loads (TMDL), a standard watershed model supported by U.S. Environmental Protection Agency, Hydrological Simulation Program Fortran (HSPF), was used to simulate water temperature, DO, and bio-chemical oxygen demand (BOD). Both point and non-point sources of BOD were included in watershed modeling. The developed model was calibrated at two time periods: 1978 to 1986 and 2000 to 2001 with simulated DO closely matched the observed data and captured the seasonal variations. The model represented the general trend and average condition of observed BOD. Water temperature and BOD decay are the major factors that affect DO simulation, whereas nutrient processes, including nitrification, denitrification, and phytoplankton cycle, have slight impacts. The calibrated water quality model provides a representative linkage between the sources of BOD and in-stream DO\BOD concentrations. The developed input parameters in this research could be extended to similar coastal watersheds for TMDL determination and Best Management Practice (BMP) evaluation.