Questions & Answers about Вода надто холодна.
The pronunciation (transcription) is: vo-DA na-DTO kho-LÓD-na.
• The stress falls on the second syllable of вода (vo-DA) and on the first syllable of холодна (kho-LÓD-na).
• надто is usually unstressed or carries only light stress (na-DTO).
• вода = “water” (nominative, feminine)
• надто = “too” (indicating an excessive degree)
• холодна = “cold” (feminine adjective, nominative)
So literally: “Water too cold.” In natural English: “The water is too cold.”