St. Charles Community
Assisted Living, Adult Day Care, Independent Living & Respite Care · Covington, KY

St. Charles Community

Assisted Living, Adult Day Care, Independent Living & Respite Care · Covington, KY

Overview of St. Charles Community

With a whopping six decades of excellent service under their belt, St. Charles Community offers an expert independent living home experience that nourishes your mind, body, and soul. Understanding that each resident deserves the life of leisure in their golden years, the dedicated and compassionate team of St. Charles provides conscientious and compassionate assistance with daily living activities, so you can maximize each day according to your interests, goals, and preferences.

Housekeeping, chores, cooking, and medical management needs are all taken care of, establishing a worry-free environment for senior independent living that’s both relaxing and exciting, depending on what you feel like for the day. Lodging amenities are warm and cozy, with a continental breakfast served to you in your apartment, for that extra touch of home. If you feel like forging new relationships, socialization is made comfortable through scheduled events, outings, and for some soul soothing, daily Chapel services are also available.

(859) 331-3224
Bed community size
16-bed community Rank #336 / 341Bed count — State benchmarkedThis home is ranked 336th 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 smaller, more intimate setting that may offer a quieter environment and closer staff-resident interactions.
Walk Score
Walk Score: 6 / 100 Rank #392 / 423Walk Score — State benchmarkedThis home is ranked 392nd 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 - Dementia Care
StatusActive
ExpirationJuly 1, 2027
CountyKenton
License Number101185

Ownership & Operating Entity

St. Charles Community is administrated by Karen Smith.

Contact St. Charles Community

What does this home offer?

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Room sizes icon

Room Sizes: 363 / 514 sq. ft

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Housing options icon

Housing Options: Studio / 1 Bed / 2 Bed

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Building type icon

Building Type: Single-story

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Transportation services icon

Transportation Services

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Fitness and Recreation

Living Spaces & Floor Plans for St. Charles Community

St Charles Community Plan 3
St Charles Community Plan 2
St Charles Community Plan 1
St Charles Community Plan 4

Places of interest near St. Charles Community

Address 4.1 miles from city center Info Estimated distance in miles from Covington's city center to St. Charles Community's address, calculated via Google Maps. — 3.9 miles to nearest hospital (Select Specialty Hospital - Northern Kentucky)

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Financial Assistance for
Assisted Living in Kentucky

St. Charles Community is located in Covington, 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)

Compare Assisted Living around Covington

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

Celebration Villa of Highland Crossing
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.

Fort Wright
136
Facility 136
KY AVG 82
Rank #33 / 341
Yes
16
Facility 16
KY AVG 41
Rank #349 / 423
Studio / 1 Bed / 2 Bed---
Carespring – Barrington of Fort Thomas
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.

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).

Fort Thomas
110
Facility 110
KY AVG 82
Rank #70 / 341
No
48
Facility 48
KY AVG 41
Rank #176 / 423
Studio / 1 Bed / 2 Bed
19
Facility 19
KY AVG 9
Rank #26 / 149
A+-
Oaks at Ashton Hills
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.

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.

Covington90No 21 Studio / 1 Bed / 2 Bed8-8
Celebration Villa of Summit Hills
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.

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.

Crestview Hills
83
Facility 83
KY AVG 82
Rank #158 / 341
Yes
11
Facility 11
KY AVG 41
Rank #362 / 423
Studio / 1 Bed / 2 Bed---
St. Charles Community
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.

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.

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.

Covington
16
Facility 16
KY AVG 82
Rank #336 / 341
No
6
Facility 6
KY AVG 41
Rank #392 / 423
Studio / 1 Bed / 2 Bed---

Frequently Asked Questions about St. Charles Community

Is St. Charles Community in a walkable area?

St. Charles Community has a walk score of 6. Car-dependent. Most errands require a car, with limited nearby walkable options.

What is the license number of St. Charles Community?

According to KY state health department records, St. Charles Community's license number is 101185.

When does St. Charles Community's license expire?

According to KY state health department records, St. Charles Community's license expires on July 1, 2027.

Who is the administrator of St. Charles Community?

Karen Smith is the administrator of St. Charles Community.

How many beds does St. Charles Community have?

St. Charles Community has 16 beds.

Are there photos of St. Charles Community?

Yes — there are 5 photos of St. Charles Community in the photo gallery on this page.

What is the phone number of St. Charles Community?

(859) 331-3224 will put you in contact with the team at St. Charles Community.

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