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.

Bed community size
16-bed community Rank #336 / 341Bed count — State benchmarkedThis home is ranked 336th out of 341 homes 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.Facilities with the same value for a metric share the same rank. Rankings are based only on facilities in Kentucky that report data for that category. Facilities without available data are excluded from the ranking.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 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.Facilities with the same value for a metric share the same rank. Rankings are based only on facilities in Kentucky that report data for that category. Facilities without available data are excluded from the ranking.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 administered by Karen Smith.

Contact St. Charles Community

What does this home offer?

Pets allowed icon
Pets allowed icon

No pets allowed

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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: Single-story

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Transportation Services

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Fitness and Recreation

Living Spaces & Floor Plans for St. Charles Community

Places of interest near St. Charles Community

Address 2.7 miles from city center Info Estimated distance in miles from Covington's city center to St. Charles Community's address, calculated via Google Maps.

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Compare Assisted Living around Covington

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

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St. Charles Community
AL
ADC
IL
RC
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KY AVG 82
Rank #336 / 341
No
6
Facility 6
KY AVG 41
Rank #392 / 423
Studio / 1 Bed / 2 Bed---

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)

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.

Are pets allowed at St. Charles Community?

No, St. Charles Community has a no-pet policy.

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.

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