A 3-body:many-body integrated quantum mechanical (QM) fragmentation method for non-covalent clusters is introduced within the ONIOM formalism. The technique captures all 1-, 2-, and 3-body interactions with a high-level electronic structure method, while a less demanding low-level method is employed to recover 4-body and higher-order interactions. When systematically applied to 40 low-lying (H(2)O)(n) isomers ranging in size from n = 3 to 10, the CCSD(T):MP2 3-body:many-body fragmentation scheme deviates from the full CCSD(T) interaction energy by no more than 0.07 kcal mol(-1) (or <0.01 kcal mol(-1) per water). The errors for this QM:QM method increase only slightly for various low-lying isomers of (H(2)O)(16) and (H(2)O)(17) (always within 0.13 kcal mol(-1) of the recently reported canonical CCSD(T)/aug-cc-pVTZ energies). The 3-body:many-body CCSD(T):MP2 procedure is also very efficient because the CCSD(T) computations only need to be performed on subsets of the cluster containing 1, 2, or 3 monomers, which in the current context means the largest CCSD(T) calculations are for 3 water molecules, regardless of the cluster size.