Fern Terra of Owensboro
Assisted Living & Residential Care · Owensboro, KY

Fern Terra of Owensboro

Assisted Living & Residential Care · Owensboro, KY
Fern Terra of Owensboro accepts Medicaid and Medicare.
Fern Terra of Owensboro accepts Medicaid and Medicare.

Overview of Fern Terra of Owensboro

Fern Terra of Owensboro provides assisted living and residential care options in Owensboro, Kentucky. Assisted living services support residents with everyday personal tasks, including dressing, bathing, and managing medications, while allowing them to maintain their own personal space.

Established in 2007, this 36-bed location features both private and semi-private room layouts under the direction of administrator Sylvia Martin. Short-term respite care stays accommodate temporary coverage needs for primary caregivers. Daily programming includes group games, social events, live music, local shopping trips, and scheduled religious services both on campus and nearby.

Dedicated transportation carries residents to off-site medical appointments. Holding an 80 walk score, the surrounding neighborhood ranks as very walkable for nearby errands.

Interested residents and their representatives can call Fern Terra of Owensboro to tour the building, review short-term care options, or discuss coverage options.

By The Numbers

Community insights.

Bed count Info A smaller, more intimate setting that may offer a quieter environment and closer staff-resident interactions. 36 Rank #127 / 166Bed count — State benchmarkedThis assisted living community is ranked 127th out of 166 assisted living communities 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 compare like with like: every assisted living community we track in Kentucky that reports data for that category. Assisted living 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 Very walkable. Most errands can be accomplished on foot, and many essentials are within a short walk. Rank #8 / 193Walk Score — State benchmarkedThis assisted living community is ranked 8th out of 193 assisted living communities 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 compare like with like: every assisted living community we track in Kentucky that reports data for that category. Assisted living 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.
80 / 100

About this community

License Details

Facility TypeAssisted Living Community
CountyDaviess
License Number101412

Ownership & Operating Entity

Fern Terra of Owensboro is administered by Sylvia Martin.

Payment & Insurance

2 services
Accept Medicaid
Accept Medicare

Therapy & Rehabilitation

1 service
Respite Care

Staffing & Medical

2 services
Nursing Services
24-Hour Staffing

Additional Policies & Features

Pets not allowed
Religious ServicesChurch services provided in the home and in the community.

Amenities & Lifestyle

Private And Semi-Private Rooms
Activities
ActivitiesMonthly birthday parties, holiday parties, group games, weekly social hour, red hat society, kind heart ministries, shopping trips, ladies tea, lunch brunch, excursions outside the facility, men’s club, and live music
Religious ServicesChurch services provided in the home and in the community
Volunteer Program

Room Variety

Room TypesPrivate And Semi-Private

Contact Fern Terra of Owensboro

Places of interest near Fern Terra of Owensboro

Address 0.0 miles from city center Info Estimated distance in miles from Owensboro's city center to Fern Terra of Owensboro's address, calculated via Google Maps.

Calculate Travel Distance to Fern Terra of Owensboro

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Address

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. 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.
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.
One Park Place
AL
IL
Owensboro
104
Facility 104
KY AVG 63
Rank #19 / 166
Yes
55
Facility 55
KY AVG 40
Rank #50 / 193
Studio / 1 Bed / 2 Bed--
Fern Terrace Of Owensboro
AL
RESC
Owensboro
68
Facility 68
KY AVG 63
Rank #67 / 166
No
42
Facility 42
KY AVG 40
Rank #93 / 193
Private Rooms / Semi-Private Rooms--
Wendell Foster’s Campus for Developmental Disabili
AL
IL
RESC
Owensboro
64
Facility 64
KY AVG 63
Rank #74 / 166
No
72
Facility 72
KY AVG 40
Rank #16 / 193
-
1
Facility 1
KY AVG 17
Rank #37 / 50
-
Fern Terra of Owensboro
AL
RESC
Owensboro
36
Facility 36
KY AVG 63
Rank #127 / 166
No
80
Facility 80
KY AVG 40
Rank #8 / 193
---
Calumet Trace – A Charter Senior Living Community
AL
IL
MC
RC
Owensboro (Gateway Commons)
20
Facility 20
KY AVG 63
Rank #154 / 166
Yes
48
Facility 48
KY AVG 40
Rank #72 / 193
Studio / 1 Bed-A-

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

Financial Assistance for
Assisted Living in Kentucky

Fern Terra of Owensboro 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)

Frequently Asked Questions about Fern Terra of Owensboro

Is Fern Terra of Owensboro in a walkable area?

Fern Terra of Owensboro has a walk score of 80. Very walkable. Most errands can be accomplished on foot, and many essentials are within a short walk.

What is the license number of Fern Terra of Owensboro?

According to KY state health department records, Fern Terra of Owensboro's license number is 101412.

Are pets allowed at Fern Terra of Owensboro?

No, Fern Terra of Owensboro has a no-pet policy.

Who is the administrator of Fern Terra of Owensboro?

Sylvia Martin is the administrator of Fern Terra of Owensboro.

How many beds does Fern Terra of Owensboro have?

Fern Terra of Owensboro has 36 beds.

Are there photos of Fern Terra of Owensboro?

Yes — there are 4 photos of Fern Terra of Owensboro in the photo gallery on this page.

What levels of care does Fern Terra of Owensboro provide?

Fern Terra of Owensboro offers Assisted Living & Residential Care.

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