Calumet Trace Senior Living
Assisted Living, Independent Living, Memory Care & Respite Care · Owensboro, KY

Calumet Trace Senior Living

Assisted Living, Independent Living, Memory Care & Respite Care · Owensboro, KY

Overview of Calumet Trace Senior Living

Calumet Trace Senior Living is a 44-bed senior living community located at 3050 Calumet Trace in Owensboro, Kentucky. Managed by Charter Senior Living under Kentucky license number 101387, the facility serves Daviess County and maintains an active license through June 30, 2026.

As a licensed assisted living and memory care provider rather than a Medicare-certified nursing home, Calumet Trace operates under a state regulatory framework and does not carry a CMS star rating. Licensure and inspections are overseen by the Kentucky Cabinet for Health and Family Services; based on current focused filings, the community maintains a citations-per-inspection rate of zero. The care model provides 24-hour staffing and oversight for residents who require support with daily tasks but do not need continuous hospital-level nursing care.

The campus manages an integrated care ladder that includes independent living, assisted living, specialized memory care, and respite stays. Assisted living residents receive 24/7 assistance with activities of daily living (ADLs), such as bathing, dressing, and medication administration, supported by a 24-hour emergency call system. The memory care neighborhood utilizes the proprietary Flourish℠ programming, a structured model focusing on cognitive engagement and emotional well-being for those living with Alzheimer’s or other dementias. Additionally, the community features two on-site rehabilitation services, providing physical, occupational, and speech therapy to support functional recovery and mobility.

Residents live in private studios, one-bedroom, and two-bedroom apartments that feature senior-friendly layouts and maintenance-free living. The all-inclusive service model covers three nutritional meals daily, weekly or biweekly housekeeping, personal laundry, and all home maintenance. Campus amenities include communal gardens, a fitness room, a craft and hobby room, and a full-service beauty salon and barbershop. Social life is anchored by a daily activities calendar, Friday happy hours, and scheduled transportation to local medical providers and shopping centers such as the Gateway Commons.

Those seeking a professionally managed, full-continuum community with a structured dementia care philosophy and on-site therapy may find this environment appropriate. Individuals evaluating the facility should contact the administration directly to discuss current pricing—which typically starts at approximately $3,195 for independent living and $3,800 for assisted living—and schedule an in-person tour to assess the specialized memory care wing firsthand.

(270) 620-1005
Bed community size
44-bed community Rank #273 / 341Bed count — State benchmarkedThis home is ranked 273rd out of 341 homes in Kentucky. 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.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
A moderately sized community that may balance personal attention with shared amenities and social activities.
Walk Score
Walk Score: 7 / 100 Rank #382 / 423Walk Score — State benchmarkedThis home is ranked 382nd out of 423 homes in Kentucky. Shows how walkable this facility's neighborhood is compared to the average Walk Score across Kentucky facilities. Higher scores benefit residents, families, and staff.Click the rank badge to see the full State ranking.Click here to see the full State ranking.
Car-dependent. Most errands require a car, with limited nearby walkable options.

About this community

License Details

Facility TypeAssisted Living Community - Behavioral Health
StatusActive
ExpirationSeptember 28, 2026
CountyDaviess
License Number101387

Ownership & Operating Entity

Calumet Trace Senior Living is administrated by Wanda Palumbo.

Therapy & Rehabilitation

2 services
Rehabilitation Services
Respite Care

Staffing & Medical

2 services
Nursing Services
24-Hour Staffing

Amenities & Lifestyle

Three Nutritious Meals Per Day
Scheduled Transportation
Weekly/Biweekly Housekeeping
Laundry Service
Daily Lifestyle Programming And Activities
24-Hour Emergency Call System
Specific ProgramsShort-Term Stays, Flourish℠ Programming

Pricing & Financial Information

IL$3,195 per month
AL$4,395 per month
MC$5,895 (semi-private) per month
MC$7,595 (private) per month

Dining & Nutrition

Food DescriptionThree nutritious meals per day are provided.

Contact Calumet Trace Senior Living

Places of interest near Calumet Trace Senior Living

Address 4.0 miles from city center Info Estimated distance in miles from Owensboro's city center to Calumet Trace Senior Living's address, calculated via Google Maps.

Calculate Travel Distance to Calumet Trace Senior Living

Add your location

Address

Financial Assistance for
Assisted Living in Kentucky

Calumet Trace Senior Living is located in OWENSBORO, Kentucky.
Here are the financial assistance programs available to residents in Kentucky.

Get Financial aid guidance

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)

Compare Assisted Living around Owensboro

The information below is reported by the Kentucky Cabinet for Health and Family Services, Office of Inspector General.

One Park Place
AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

IL

Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support.

Owensboro
104
Facility 104
KY AVG 82
Rank #83 / 341
No
55
Facility 55
KY AVG 41
Rank #126 / 423
----
Woodmont Health Campus
AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

ADC

Adult Day Care Structured weekday daytime programming for seniors who live at home but need supervision, health monitoring, or social engagement. More affordable than full residential care and a key resource for working family caregivers.

MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

NH

Nursing Home Licensed facility providing 24/7 skilled nursing care for residents with complex, ongoing medical needs. Staffed by RNs, LPNs, and CNAs. Inspected and star-rated annually by CMS. Accepts Medicare (short-term rehab) and Medicaid (long-term care).

RC

Respite Care Short-term temporary care — days to weeks — to give family caregivers a break. Full care provided during the stay. Often used after hospitalization or to trial a facility before a permanent placement decision.

NH

Nursing Home Licensed facility providing 24/7 skilled nursing care for residents with complex, ongoing medical needs. Staffed by RNs, LPNs, and CNAs. Inspected and star-rated annually by CMS. Accepts Medicare (short-term rehab) and Medicaid (long-term care).

Boonville99Yes 19 Medicare (SNF) (18), SNF/NF (Combined) (42), Residential (39)25A+22
Fern Terrace Of Owensboro
AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

RC

Respite Care Short-term temporary care — days to weeks — to give family caregivers a break. Full care provided during the stay. Often used after hospitalization or to trial a facility before a permanent placement decision.

Owensboro
68
Facility 68
KY AVG 82
Rank #194 / 341
No
42
Facility 42
KY AVG 41
Rank #215 / 423
----
Cedarhurst of Owensboro
AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

Owensboro
56
Facility 56
KY AVG 82
Rank #248 / 341
Yes
9
Facility 9
KY AVG 41
Rank #370 / 423
Suite / 1 Bed / 2 Bed---
Calumet Trace Senior Living
AL

Assisted Living A licensed, long-term care setting for seniors or individuals with disabilities who need help with daily activities — like bathing, dressing, and medication management — but not 24-hour skilled nursing. Offers housing, meals, and around-the-clock support while aiming to maximize resident independence.

IL

Independent Living Lifestyle-focused communities for older adults offering dining, activities, and transportation with minimal personal care. Best for active, independent seniors who want community without medical support.

MC

Memory Care Secured, specialized care for people living with Alzheimer's or dementia. Staff trained in cognitive impairment, with higher staff-to-resident ratios and an environment designed to reduce confusion and wandering risk.

RC

Respite Care Short-term temporary care — days to weeks — to give family caregivers a break. Full care provided during the stay. Often used after hospitalization or to trial a facility before a permanent placement decision.

Owensboro
44
Facility 44
KY AVG 82
Rank #273 / 341
No
7
Facility 7
KY AVG 41
Rank #382 / 423
----

Frequently Asked Questions about Calumet Trace Senior Living

Is Calumet Trace Senior Living in a walkable area?

Calumet Trace Senior Living has a walk score of 7. Car-dependent. Most errands require a car, with limited nearby walkable options.

What is the license number of Calumet Trace Senior Living?

According to KY state health department records, Calumet Trace Senior Living's license number is 101387.

When does Calumet Trace Senior Living's license expire?

According to KY state health department records, Calumet Trace Senior Living's license expires on September 28, 2026.

Who is the administrator of Calumet Trace Senior Living?

Wanda Palumbo is the administrator of Calumet Trace Senior Living.

How many beds does Calumet Trace Senior Living have?

Calumet Trace Senior Living has 44 beds.

Are there photos of Calumet Trace Senior Living?

Yes — there are 30 photos of Calumet Trace Senior Living in the photo gallery on this page.

What is the address of Calumet Trace Senior Living?

Calumet Trace Senior Living is located at 3050 CALUMET TRACE.

Guides for Better Senior Living

Care Cost Calculator: See Prices in Your Area

Nursing Home Data Explorer

Don’t Wait Too Long: 7 Red Flag Signs Your Parent Needs Assisted Living Now

The True Cost of Assisted Living in 2025 – And How Families Are Paying For It

Understanding Senior Living Costs: Pricing Models, Discounts & Financial Assistance

Explore Open Rooms
1 Contact details
2 What type of senior care service are you looking for?
3 What budget do you have in mind for senior care?
4 How soon do you need to find care?
5 Additional details

Thank you for your interest!

Our team will be in touch shortly to help with next steps.