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Calumet Trace – A Charter Senior Living Community
Assisted Living, Independent Living, Memory Care & Respite Care · Owensboro, KY
Aerial view of Calumet Trace senior living community Exterior view of Calumet Trace at night with flags Exterior view of Calumet Trace Senior Living Community Exterior sign for Calumet Trace senior living community Outdoor area of a senior living community with seating Bright common area with seating and fireplace Cozy common area with seating and decor Elegant dining room set for a meal A cozy resident room with a bed and decorative accents A well-decorated resident room with a bed and artwork Cozy private room with comfortable furnishings and natural light Cozy resident room with a neatly made bed and decor Bright and inviting common area with seating Bright lounge area with comfortable seating Cozy sitting area with comfortable chairs and decor Bright dining room with modern decor and tables Cozy common area with seating and dining space Common area with a pool table and seating Well-furnished common area with seating and decor A cozy and inviting lobby area with decor Bright, welcoming common area with seating and decor Outdoor seating area with rocking chairs Outdoor seating area with grill and landscaping Outdoor patio area with tables and umbrellas Dining room setup with menus and place settings Modern kitchen with dark cabinets and appliances Interior view showing hanging plants in a common area Decorative table with nautical theme in common area Cozy common area with fireplace and seating Elegant dining table set with flowers in a senior living facility Floor plan of a private resident room Top-down view of a residential floor plan layout Interior layout of a private resident room Layout of a private resident room with furnishings Architectural floor plan showing room layout

Calumet Trace – A Charter Senior Living Community

Assisted Living, Independent Living, Memory Care & Respite Care · Owensboro, KY
3050 Calumet Trce, Owensboro, KY 42303 View map Calculator: See prices in your area
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Overview of Calumet Trace – a Charter Senior Living Community

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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.

Facility Direct Line (270) 261-4711
Facility Direct Line (270) 261-4711
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By The Numbers

Community insights.

Bed count Info A smaller, more intimate setting that may offer a quieter environment and closer staff-resident interactions. 20 Rank #213 / 226Bed count — State benchmarkedThis home is ranked 213th out of 226 homes we track in Kentucky for bed count. Shows this facility's certified or reported bed count compared to other Kentucky facilities. Larger communities may offer more amenities, programs, and on-site services for residents and families.Communities with the same value for a metric share the same rank. Rankings cover every community we track in Kentucky that reports data for that category. Communities without available data are excluded, so the pool size varies from metric to metric.Click the rank badge to see the full State ranking.Click here to see the full State ranking.

Smaller home · May offer a more intimate, personalized care environment.

Walk Score Info Car-dependent. A few nearby services may be reachable on foot, but most trips require transportation. Rank #111 / 283Walk Score — State benchmarkedThis home is ranked 111th out of 283 homes we track in Kentucky for walk score. Shows how walkable this facility's neighborhood is compared to the average walk score across Kentucky facilities. Higher scores benefit residents, families, and staff.Communities with the same value for a metric share the same rank. Rankings cover every community we track in Kentucky that reports data for that category. Communities without available data are excluded, so the pool size varies from metric to metric.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
48 / 100
BBB Rating Info An independent rating from the Better Business Bureau based on factors such as complaint history, transparency, and business practices.
A- Not Accredited
How BBB ratings work

About this community

License Details

Facility TypeAssisted Living Community - Dementia Care
StatusActive
CountyDaviess
License Number101519

Therapy & Rehabilitation

1 service
Respite Care

Staffing & Medical

2 services
Licensed Nurses/CNAs
24-Hour Staffing

Amenities & Lifestyle

Specific ProgramsShort-Term Stays, Flourish℠ Programming
Operating HoursVisitors are welcome 24 hours a day, 7 days a week.

Pricing & Financial Information

IL$3,195 per month
AL$4,395 per month
MC$5,895 per month

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What does this home offer?

Pets allowed icon
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Pets Allowed

Housing options icon
Housing options icon

Housing Options: Studio / 1 Bed

Building type icon
Building type icon

Building Type: 3-story

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Transportation Services

Fitness and recreation icon
Fitness and recreation icon

Fitness and Recreation

Managed by Justin Carwile

Executive Director

8 years of experience

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

Address 2.9 miles from city center Info 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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Compare Assisted Living around Owensboro

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. NH (Nursing Home): 24/7 skilled nursing care for residents with complex, ongoing medical needs. SNF (Skilled Nursing Facility): Round-the-clock nursing care, often for recovery after surgery, injury, or illness. 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. ADC (Adult Day Care): Daytime supervision, health monitoring, and social activities for seniors who live at home.
City and state of the facility. Used for mapping and state-average comparisons.
Licensed bed capacity (maximum allowed). Not the same as how many beds are currently filled.
Indicates whether residents are allowed to have pets in the facility.
Third-party neighborhood walkability score (0–100). Convenience/context metric, not a healthcare quality measure.
Description of bed or unit types offered (e.g. assisted living, memory care), as reported in state or facility disclosures.
Number of years the company has been in operation.
Better Business Bureau grade for the operating company. Reflects complaint handling and business practices, not clinical care quality.
Count of regulatory inspections in the reporting window. Higher volume can reflect more oversight visits, complaint-driven surveys, or routine licensure cycles.
One Park Place
AL
IL
Owensboro
104
Facility 104
KY AVG 74
Rank #46 / 226
Yes
55
Facility 55
KY AVG 42
Rank #80 / 283
Studio / 1 Bed / 2 Bed---
Woodmont Health Campus
AL
ADC
MC
NH
RC
SNF
Boonville99Yes 19 Studio25A+15
Fern Terrace Of Owensboro
AL
RESC
Owensboro
68
Facility 68
KY AVG 74
Rank #111 / 226
No
42
Facility 42
KY AVG 42
Rank #142 / 283
Private Rooms / Semi-Private Rooms---
Wendell Foster’s Campus for Developmental Disabili
AL
IL
RESC
Owensboro
64
Facility 64
KY AVG 74
Rank #120 / 226
No
72
Facility 72
KY AVG 42
Rank #29 / 283
-
1
Facility 1
KY AVG 13
Rank #48 / 92
--
Calumet Trace – A Charter Senior Living Community
AL
IL
MC
RC
Owensboro (Gateway Commons)
20
Facility 20
KY AVG 74
Rank #213 / 226
Yes
48
Facility 48
KY AVG 42
Rank #111 / 283
Studio / 1 Bed-A--

Rank badges are statewide: each community is ranked against every KY community we track that reports that metric, not just the 5 on this page. See how we rank facilities

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Financial Assistance for
Assisted Living in Kentucky

Calumet Trace – A Charter Senior Living Community is located in Owensboro, Kentucky.
Here are the financial assistance programs available to residents in Kentucky.

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Home and Community Based Waiver

Kentucky Medicaid HCB Waiver

Age 65+ or disabled
General Kentucky resident, Medicaid-eligible, nursing home-level care need.
Income Limits (2025) ~$2,829/month 300% FBR, individual
Asset Limits $2,000 (individual), $3,000 (couple).
KY

Rural focus; waitlists possible.

Benefits
Personal care (5-7 hours/day) Respite (240 hours/year) Homemaker services Home modifications

Hart-Supported Living Program

KY Hart-Supported Living

Age 65+ or disabled
General Kentucky resident.
Income Limits No strict limit; prioritizes low-income.
Asset Limits Not applicable.
KY

Competitive grants; limited availability.

Benefits
In-home support (up to 10 hours/week) Respite (varies) Adaptive equipment (~$500 avg.)

Kentucky Homecare Program

Kentucky Homecare Program

Age 60+
General Kentucky resident, at risk of nursing home placement, not eligible for Medicaid waivers.
Income Limits (2025) No strict limit; prioritizes low-income ~$24,980/year individual
Asset Limits Not assessed; need-based focus.
KY

15 AAAs; rural focus; not in nursing homes.

Benefits
Personal care (4-6 hours/day) Respite (5 days/year) Chore services Meal delivery ($7/meal) Minor home repairs

Medicare Savings Program (MSP)

Kentucky Medicare Savings Program

Age 65+ or disabled
General Kentucky resident, Medicare Part A/B.
Income Limits (2025) ~$2,510/month (QMB), ~$3,380/month (SLMB), ~$3,598/month (QI)—individual.
Asset Limits $9,430 (individual), $14,130 (couple).
KY

Three tiers; no waitlist; auto Extra Help for Part D.

Benefits
Covers Part B premiums ($174.70/month) Deductibles ($240/year) Copays (~20%)

National Family Caregiver Support Program (NFCSP) Respite

Kentucky NFCSP Respite Care

Age —
General Caregivers of 60+ needing care or 55+ caregivers of others; Kentucky resident; functional needs (2+ ADLs).
Income Limits (2025) Prioritizes ~$24,980/year (individual); no strict cap.
Asset Limits Not assessed; need-based.
KY

15 AAAs; prioritizes low-income, rural caregivers.

Benefits
Respite (4-6 hours/week or 5 days/year) Adult day care ($55/day) Caregiver training Supplies (~$500/year)

Kentucky Family Caregiver Program

Kentucky Family Caregiver Program

Age —
General Grandparents (often 55+) as primary caregivers to grandchildren under 18, Kentucky resident, not on Kinship Care.
Income Limits (2025) ~$31,225/year (individual); varies by AAA.
Asset Limits Not strictly assessed; need-based.
KY

Max $1,500/year; statewide via AAAs.

Benefits
Grants (~$500-$1,500/year) for respite Supplies Care costs; counseling Training

VA Aid and Attendance (A&A) and Housebound Benefits

Kentucky VA Aid and Attendance/Housebound

Age 65+ or disabled veteran/spouse
General Kentucky resident, wartime service, need for ADL help (A&A) or homebound.
Income Limits (2025) Net income < ~$1,984/month (veteran with dependent, A&A); pension offsets income.
Asset Limits ~$155,356 net worth limit
KY

High veteran demand in rural areas.

Benefits
Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs (e.g., in-home, assisted living)

Frequently Asked Questions about Calumet Trace – A Charter Senior Living Community

What neighborhood is Calumet Trace – A Charter Senior Living Community in?

Calumet Trace – A Charter Senior Living Community is in the Gateway Commons neighborhood of Owensboro.

Is Calumet Trace – A Charter Senior Living Community in a walkable area?

Calumet Trace – A Charter Senior Living Community has a walk score of 48. Car-dependent. A few nearby services may be reachable on foot, but most trips require transportation.

What is the license number of Calumet Trace – A Charter Senior Living Community?

According to KY state health department records, Calumet Trace – A Charter Senior Living Community's license number is 101519.

Are pets allowed at Calumet Trace – A Charter Senior Living Community?

Yes, Calumet Trace – A Charter Senior Living Community allows residents to bring their pets.

How many beds does Calumet Trace – A Charter Senior Living Community have?

Calumet Trace – A Charter Senior Living Community has 20 beds.

How much does Calumet Trace – A Charter Senior Living Community cost per month?

Pricing at Calumet Trace – A Charter Senior Living Community starts at $3,195 per month, with rates varying by floorplan and additional care needs.

Are there photos of Calumet Trace – A Charter Senior Living Community?

Yes — there are 35 photos of Calumet Trace – A Charter Senior Living Community in the photo gallery on this page.

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