Smaller home · May offer a more intimate, personalized care environment.
Calumet Trace – A Charter Senior Living Community
Located in Owensboro, Kentucky, Calumet Trace is a retirement community offering independent living, assisted living, memory care, and respite care. Situated about three miles from downtown, the 20-bed community features studio and one-bedroom apartments in a quiet three-story setting. Visitors are also welcome 24 hours a day, seven days a week.
It is led by Executive Director Justin Carwile, who holds a master’s degree in health administration and has eight years of long-term care experience. Meanwhile, older adults receive around-the-clock support from licensed nurses, certified nursing assistants, and trained caregivers who develop individualized care plans based on each resident’s needs and preferences.
Daily life is enriched through Charter Senior Living’s Flourish℠ Programming, along with restaurant-style dining and transportation services. Amenities such as a beauty salon, reading lounge, card room, and landscaped outdoor spaces are also available. Furthermore, short-term respite care is available for families seeking temporary support or transitional care.
Monthly rates start at $3,195 for independent living, $4,395 for assisted living, and $5,895 for memory care. Despite its smaller size, Calumet Trace provides a personalized environment that encourages close staff-resident relationships and individualized attention for older adults.
Community insights.
About This Community
Pricing & Financial Information
The below pricing was updated on
- Private dining room for family events.
- Bistro / café on site.
Justin Carwile is the Executive Director at Calumet Trace Senior Living. He holds a bachelor’s degree in Exercise Physiology from Western Kentucky University and a master’s degree in health administration from Purdue University. A licensed nursing home administrator, Justin has eight years of experience in long-term care, managing skilled nursing facilities and senior living communities across multiple states.
Places of interest near Calumet Trace – A Charter Senior Living Community
2.9 miles from city center
Estimated distance in miles from Owensboro's city center to Calumet Trace – A Charter Senior Living Community's address, calculated via Google Maps.
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Info below is compiled from the KY Cabinet for Health & Family Services (CHFS), senior community websites & trusted data sources such as Walk Score & BBB.
Communities are listed from highest-ranked to lowest-ranked based on our methodology.
Care Types in This Table
AL (Assisted Living):
Housing with help for daily activities like bathing, dressing, and medication, without 24-hour skilled nursing.
MC (Memory Care):
Secured, specialized care for people living with Alzheimer's or dementia.
RC (Respite Care):
Short-term temporary care that gives family caregivers a break.
RESC (Residential Care):
Personal care and daily-living support in a smaller, more intimate residential setting.
IL (Independent Living):
Community living with dining, activities, and transportation for active seniors who need little personal care.
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City and state of the facility. Used for mapping and state-average comparisons.
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Licensed bed capacity (maximum allowed). Not the same as how many beds are currently filled.
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Indicates whether residents are allowed to have pets in the facility.
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Third-party neighborhood walkability score (0–100). Convenience/context metric, not a healthcare quality measure.
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Description of bed or unit types offered (e.g. assisted living, memory care), as reported in state or facility disclosures.
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Number of years the company has been in operation.
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Better Business Bureau grade for the operating company. Reflects complaint handling and business practices, not clinical care quality.
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|---|---|---|---|---|---|---|---|---|
| Wendell Foster’s Campus for Developmental Disabili | AL IL RESC | Owensboro | 64
Facility
64
KY AVG
62
Rank
#70 / 162 | No |
72
Facility
72
KY AVG
40
Rank
#15 / 190 | - | 1
Facility
1
KY AVG
17
Rank
#37 / 50 | - |
| One Park Place | AL IL | Owensboro | 104
Facility
104
KY AVG
62
Rank
#19 / 162 | Yes |
55
Facility
55
KY AVG
40
Rank
#49 / 190 | Studio / 1 Bed / 2 Bed | - | - |
| Calumet Trace – A Charter Senior Living Community | AL IL MC RC | Owensboro (Gateway Commons) | 20
Facility
20
KY AVG
62
Rank
#150 / 162 | Yes |
48
Facility
48
KY AVG
40
Rank
#70 / 190 | Studio / 1 Bed | - | A- |
| Fern Terrace Of Owensboro | AL RESC | Owensboro | 68
Facility
68
KY AVG
62
Rank
#63 / 162 | No |
42
Facility
42
KY AVG
40
Rank
#91 / 190 | Private Rooms / Semi-Private Rooms | - | - |
| Cedarhurst of Owensboro | AL MC | Owensboro | 56
Facility
56
KY AVG
62
Rank
#87 / 162 | Yes |
9
Facility
9
KY AVG
40
Rank
#168 / 190 | Suite / 1 Bed / 2 Bed | - | - |
Rank badges are statewide and care-type specific: each assisted living community is ranked against every other KY assisted living community we track that reports that metric, not just the 5 on this page. See how we rank facilities
Programs that may help with care and living costs in Kentucky
Calumet Trace – A Charter Senior Living Community is in Owensboro, Kentucky. These programs may support different care settings or living expenses. A listing does not confirm this community participates; our concierge team can help confirm.
VA Aid and Attendance (A&A) and Housebound Benefits
VA Pension Aid and Attendance and Housebound Benefits (Federal)
- Who it is for
- Veterans or survivors with VA pension eligibility and an Aid and Attendance or Housebound medical need
- Income limit
- No single monthly income cutoff. VA compares countable annual income, after permitted deductions, with the applicable Maximum Annual Pension Rate for the household and benefit category.
- Asset limit
- Net-worth limit is $163,699 from December 1, 2025 through November 30, 2026. Net worth includes countable assets plus annual income; exclusions and transfer rules apply.
Eligibility
- General
- Veterans or eligible survivors who qualify for VA Pension or Survivors Pension and meet the additional Aid and Attendance or Housebound criteria. Service, discharge, family status and pension eligibility rules also apply.
- KY specifics
- A federal VA pension benefit; Aid and Attendance and Housebound enhancements cannot be received together.
What it provides
- A higher pension ceiling for eligible Aid and Attendance or Housebound recipients. Actual pension equals the applicable annual maximum minus countable income; the two enhancements cannot be paid together.
Optional State Supplementation
Kentucky Optional State Supplementation
Eligibility
- General
- Eligible Kentucky adults who are aged, blind or disabled, meet the applicable financial and technical rules, need a full-time qualifying living arrangement and have insufficient income for the payment standard.
- KY specifics
- Personal/family care home and caretaker categories require age 18 or older. Eligibility and payment depend on the specific category.
What it provides
- Supplemental payments for qualifying personal care homes; family care homes or approved caretaker arrangements; separate criteria govern community integration supplementation.
Home and Community Based Waiver
Kentucky Medicaid HCB Waiver
Eligibility
- General
- People age 65 or older or with a physical disability who meet Kentucky Medicaid and HCB waiver functional requirements.
- KY specifics
- Service approval is based on assessed needs and current waiver policy; no flat daily hours are established.
What it provides
- Authorized supports such as adult day health; personal care; respite and other HCB waiver services.
Hart-Supported Living Program
KY Hart-Supported Living
Eligibility
- General
- Kentucky residents with qualifying disabilities seeking supports for community living, under Hart-Supported Living eligibility rules.
- KY specifics
- The program supports integrated living and individual control; segregated or certain congregate models are excluded.
What it provides
- Approved grants for supports that promote community living; independence and inclusion.
Kentucky Homecare Program
Kentucky Homecare Program
Eligibility
- General
- Age 60 or older with the stated ADL/IADL limitations and institutional-care risk, or able to leave an institution for home with support.
What it provides
- Coordinated home supports for daily needs; according to assessment and program authorization.
Family Caregiver Support Program
Family Caregiver Support Program (Kentucky)
- Who it is for
- Family or informal caregivers of an adult 60+ or of someone of any age with dementia
Eligibility
- General
- Adult family or informal caregivers of adults age 60 or older or people of any age with Alzheimer's disease or a related disorder. The federal program also supports specified older-relative caregiver categories.
What it provides
- Caregiver information and access assistance; counseling and training; support groups; respite and limited supplemental services under the federal caregiver-support framework.
Kentucky Family Caregiver Program
Kentucky Family Caregiver Program
- Income limit
- Household income at or below 150% of the federal poverty level.
Eligibility
- General
- Grandparents who are primary caregivers of a grandchild age 18 or younger living in the same home; the child's parents must not reside in the household.
- KY specifics
- This is a grandparent-caregiver program, not a general elder-care grant.
What it provides
- Information; support groups; counseling and training; eligible participants may receive grants or vouchers for approved child-related expenses.
Kentucky Transitions
Kentucky Kentucky Transitions
Eligibility
- General
- Older adults or people with qualifying disabilities who have lived in a nursing facility at least 60 days, meet Medicaid requirements, receive Medicaid-paid services at least one day before referral and can live in the community with support. Some stay exclusions apply.
What it provides
- Transition planning; help locating affordable housing and connections to approved community supports and Medicaid waiver services.
Personal Care Attendant Program (PCAP)
Kentucky Personal Care Attendant Program (PCAP)
Eligibility
- General
- Adults age 18 or older with qualifying severe physical disability, including the statutory functional loss of two or more limbs, who need at least 14 hours of assistance weekly or a nighttime attendant to avoid inappropriate institutional placement. Assessment, financial rules and ability to manage attendants apply.
- KY specifics
- The Commonwealth resource directory explicitly lists all counties. Actual service authorization depends on assessment and funding.
What it provides
- A subsidy for approved personal attendant services in a non-institutional setting; subject to available funding.
Medicare Savings Program (MSP)
Kentucky Medicare Savings Program
- Who it is for
- Medicare beneficiaries with limited income who need help with premiums or cost sharing
Eligibility
- General
- Medicare beneficiaries meeting the applicable state Medicare Savings Program eligibility rules.
- KY specifics
- Applications are administered by the state Medicaid program.
What it provides
- Assistance with Medicare premiums and; for qualified QMB beneficiaries; Medicare-covered deductibles and coinsurance. The qualifying category determines which costs are paid.




