Carmel Home

Carmel Home is a Memory Care Home in Kentucky

Carmel Home is a Memory Care Home in Kentucky

Carmel Home

2501 Old Hartford Rd, Owensboro, KY 42303 View Map

Carmel Home is a Memory Care Home in Kentucky

Carmel Home is a Memory Care Home in Kentucky

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Overview of Carmel Home

Embrace a fulfilling retirement lifestyle within this welcoming community, where residents’ health and happiness are at the heart of everything they do. Carmel Home is a nursing home care  community located in Owensboro, Kentucky. They’re part of a comprehensive continuing care retirement community, offering a range of care services tailored to the diverse needs of its residents. At Carmel Home, residents can expect to receive compassionate and skilled care from a dedicated team of professionals committed to enhancing their well-being. The community fosters a warm and supportive environment that promotes a sense of belonging and safety.

Whether residents require long-term care or specialized services, Carmel Home is dedicated to providing the highest standard of care and support at every stage of life. Additionally, this assisted living community takes pride in its participation in Medicare and Medicaid programs, ensuring accessible and quality care for eligible individuals. Discover the comforts of home and the peace of mind that comes with comprehensive care. Let Carmel Home be a part of your journey to vibrant senior living.

Quality ratings

Measured by Centers for Medicare & Medicaid Services (CMS)

Overall rating Info Based on health inspections, staffing and quality measures.
4/5
Health Inspection Info Based on deficiencies found during state health inspections.
4/5
Quality Measures Info Based on clinical outcomes for residents.
2/5

Capacity and availability

Medium-capacity home

Offers a balance of services and community atmosphere.

Total beds 115

This home is often near full

That suggests steady demand, but availability may be limited.

Higher demand than most homes in Kentucky
Occupancy rate 98.9%
Residents per day (avg) 17
Occupancy rate
98.9%
Residents per day (avg)
17

Who this home usually serves

TYPE OF STAY

Mix of rehab and long-term care

This home supports both short-term rehab and long-term care, with residents staying for a wide range of durations.

Breakdown by payment type

Medicare

34% of new residents, usually for short-term rehab.

Typical stay 5 - 6 months

Private pay

51% of new residents, often for short stays.

Typical stay 3 - 4 years

Medicaid

15% of new residents, often for long-term daily care.

Typical stay 3 - 4 months

Finances and operations

Governmental home
City
Home revenue
$6.9M
Deficit of revenue
-$331.7K
Governmental home City
Home revenue
$6,945,637.00
Deficit of revenue
$-331,695.00
Payroll costs Info The portion of the home's budget spent on staff, including nurses, caregivers, and other employees who support care and operations.
$3.7M
53.5% of revenue
Other operating costs Info All remaining costs needed to run the home, such as food, utilities, building maintenance, supplies and administrative expenses.
$3.2M
Total costs $6.9M
Bed community size
115-bed community
A larger shared setting that may offer more common spaces and organized community services.
Walk Score
Walk Score: 20 / 100
Car-dependent. Most errands require a car, with limited nearby walkable options.

About this community

License Status
Active
Facility Type
Long Term Care (Nursing Facility, Personal Care)
License Date
September 1, 2025
License Expiration
August 31, 2026

Additional licensing details

License number: 100082
CMS Certification Number: 185226
County: DAVIESS

Ownership & operating entity

Carmel Home is legally operated by CARMELITE SRS. OF THE DIVINE HEART OF JESUS OF KY, and administrated by FRANCIS.

Type Of Units

Comprehensive Personal Care
79 units
NF (Nursing Facility)
36 units
Total beds
115 units

What does this home offer?

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Housing Options: Private Rooms / Semi-Private Rooms

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Building Type: Single-story

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Transportation Services

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Fitness and Recreation

Types of Care at Carmel Home

Nursing Home Memory Care
Contact Carmel Home

Inspection History

In Kentucky, the Cabinet for Health and Family Services, Office of Inspector General is the regulatory authority that conducts inspections and investigates complaints in all long-term care homes.

Comparison Chart

The information below is reported by the Kentucky Cabinet for Health and Family Services, Office of Inspector General.
Compare Memory Care around Owensboro
Signature Healthcare at Hillcrest
AL

Assisted Living For seniors needing help with daily tasks but not full-time nursing.

MC

Memory Care Specialized care for those with Memory Loss, Alzheimer's, or dementia, ensuring safety and support.

SNF

Nursing Homes 24/7 care needed

RC

Respite Care

Owensboro
156
No
-
1
CONLEY, WILLIAM
82.8%
$17,974,808.00
$4,245,061.00
23.6%
123.90
4/5
3.5708
4/5
3/5
3/5
-
Private Rooms / Semi-Private Rooms
Twin Rivers Nursing And Rehab Center
AL

Assisted Living For seniors needing help with daily tasks but not full-time nursing.

SNF

Nursing Homes 24/7 care needed

RC

Respite Care

Owensboro
132
No
A+
52
RAYMER, MYRA
69.6%
$9,450,279.00
$3,443,564.00
36.4%
101.70
4/5
3.3883
4/5
2/5
3/5
1
Private Rooms / Semi-Private Rooms
Fern Terrace Of Owensboro
AL

Assisted Living For seniors needing help with daily tasks but not full-time nursing.

SNF

Nursing Homes 24/7 care needed

Owensboro
68
No
-
42
SIMPSON FAMILY HOLDINGS II, LLC
-
-
-
-
-
-
-
-
-
-
-
Private Rooms / Semi-Private Rooms
Cedarhurst of Owensboro
AL

Assisted Living For seniors needing help with daily tasks but not full-time nursing.

MC

Memory Care Specialized care for those with Memory Loss, Alzheimer's, or dementia, ensuring safety and support.

Owensboro
56
Yes
-
9
-
-
-
-
-
-
-
-
-
-
-
-
Suite / 1 Bed / 2 Bed
Carmel Home
AL

Assisted Living For seniors needing help with daily tasks but not full-time nursing.

SNF

Nursing Homes 24/7 care needed

Owensboro
18
No
-
20
HEISLER, MARY
98.9%
$6,945,637.00
$3,717,968.00
53.5%
16.50
4/5
-
4/5
-
2/5
4
Private Rooms / Semi-Private Rooms

Places of interest near Carmel Home

Address 2.2 miles from city center

Address 2501 Old Hartford Rd, Owensboro, KY 42303

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Address

Health Inspection History

Source: CMS Health Citations (Feb 2024 – Feb 2024)

1
Inspections
3
Total Citations
0
Critical (J-L)
0
Serious (G-I)
3
Citations/Inspection
Feb 2024
Last Inspection
Citation Severity Distribution
Minor (A-C)
1
Moderate (D-F)
2
Serious (G-I)
0
Critical (J-L)
0
What do these levels mean?
Citation Sources
Standard Inspections 3
Complaint Investigations 0
State Comparison (KY)
Avg Citations (State)
13.5
This Facility: 3
Avg Critical (State)
1.1
This Facility: 0
Recent Citations (Last 3 Years)
DateSeverity ?CategoryTagStatus
Feb 15, 2024 F Nursing ServicesF0727 Corrected
Feb 15, 2024 C Nursing ServicesF0732 Corrected
Feb 15, 2024 F NutritionF0812 Corrected

Facility Characteristics

Source: CMS Long-Term Care Facility Characteristics (Data as of Jan 2026)

Ownership: Non-Profit Corporation
Resident Census by Payment Source
18 Total Residents
Medicare 2 (11.1%)
Medicaid 16 (88.9%)
Programs & Services
Residents' Group
CCRC
Family Engagement

Active councils help families stay involved in care decisions and facility operations.

Quality Measures

CMS quality measures assess care quality for long-stay and short-stay residents. Lower percentages generally indicate better outcomes for most measures.

Source: CMS Nursing Home Compare (Data as of Jan 2026)

High-Risk Clinical Events
8.2 Score
22% better than avg State avg: 10.5

Composite score based on pressure ulcers, falls with injury, weight loss, walking ability decline, and ADL decline

Functional Decline
17.1 Score
10% better than avg State avg: 18.9

Composite score based on ADL decline, walking ability decline, and incontinence

Long-Stay Resident Measures

Measures for residents who stay 101 days or more. For most measures, lower percentages indicate better care.

Need for Help with Daily Activities Increased
17.8%
Lost Too Much Weight
2.1%
Urinary Tract Infection
1.5%
Depressive Symptoms
0.0%
Falls with Major Injury
9.1%
Pneumococcal Vaccine
89.4%
Antipsychotic Use
22.7%
High Risk Residents with Pressure Ulcers
3.9%
Low Risk Long-Stay Residents with Bowel/Bladder Incontinence
16.4%
Short-Stay Resident Measures

Measures for residents who stay 100 days or less (typically rehabilitation patients).

Pneumococcal Vaccine
76.7% 8% worse than avg State: 83.7%

Penalties & Fines

Federal penalties imposed by CMS for regulatory violations, including civil money penalties (fines) and denials of payment for new Medicare/Medicaid admissions.

Source: CMS Penalties Database (Data as of Jan 2026)

Total Fines $40K State avg: $63K 36% better than avg
Number of Fines 4 State avg: 2.3
Payment Denials 1 9 total days
Compared to State Average Facility: $40K | State Avg: $63K
Penalty History

Showing all 5 penalties (Jan 2024 - Feb 2024)

Feb 20, 2024 Civil Money Penalty
$4K
Feb 15, 2024 Civil Money Penalty
$25K
Feb 15, 2024 Payment Denial
9 days
Feb 12, 2024 Civil Money Penalty
$3K
Jan 22, 2024 Civil Money Penalty
$8K

Guides for Better Senior Living

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

Claim What’s Yours: Financial Aid for Kentucky Seniors

Program
State Program Name
Eligibility
Benefits
Home and Community Based Waiver
Kentucky Medicaid HCB Waiver
  • General: Age 65+ or disabled, 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 Specifics: Rural focus; waitlists possible.
  • Services: Personal care (5-7 hours/day), respite (240 hours/year), homemaker services, home modifications.
Hart-Supported Living Program
KY Hart-Supported Living
Official government program page
  • General: Age 65+ or disabled, Kentucky resident.
  • Income Limits: No strict limit; prioritizes low-income.
  • Asset Limits: Not applicable.
  • KY Specifics: Competitive grants; limited availability.
  • Services: In-home support (up to 10 hours/week), respite (varies), adaptive equipment (~$500 avg.).
Kentucky Homecare Program
Kentucky Homecare Program
  • General: Age 60+, 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 Specifics: 15 AAAs; rural focus; not in nursing homes.
  • Services: 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
  • General: Age 65+ or disabled, 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 Specifics: Three tiers; no waitlist; auto Extra Help for Part D.
  • Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).
National Family Caregiver Support Program (NFCSP) Respite
Kentucky NFCSP Respite Care
  • 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 Specifics: 15 AAAs; prioritizes low-income, rural caregivers.
  • Services: 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
  • 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 Specifics: Max $1,500/year; statewide via AAAs.
  • Services: Grants (~$500-$1,500/year) for respite, supplies, care costs; counseling, training.
Senior Community Service Employment Program (SCSEP)
Kentucky SCSEP
  • General: Age 55+, unemployed, low-income, Kentucky resident.
  • Income Limits (2025): ~$1,983/month (125% FPL).
  • Asset Limits: Not specified; income-focused.
  • KY Specifics: Priority for veterans, rural residents.
  • Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.
VA Aid and Attendance (A&A) and Housebound Benefits
Kentucky VA Aid and Attendance/Housebound
  • General: Age 65+ or disabled veteran/spouse, 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 Specifics: High veteran demand in rural areas.
  • Services: Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs (e.g., in-home, assisted living).

Claim What’s Yours Financial Aid for Kentucky Seniors

Kentucky Medicaid HCB Waiver

Home and Community Based Waiver

Requirements:
  • General:
    Age 65+ or disabled, 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 Specifics:
    Rural focus; waitlists possible.
Benefits without Contact:
  • Services: Personal care (5-7 hours/day), respite (240 hours/year), homemaker services, home modifications.
KY Hart-Supported Living

Hart-Supported Living Program

Requirements:
  • General:
    Age 65+ or disabled, Kentucky resident.
  • Income Limits:
    No strict limit; prioritizes low-income.
  • Asset Limits:
    Not applicable.
  • KY Specifics:
    Competitive grants; limited availability.
Benefits without Contact:
  • Services: In-home support (up to 10 hours/week), respite (varies), adaptive equipment (~$500 avg.).
Kentucky Homecare Program

Kentucky Homecare Program

Requirements:
  • General:
    Age 60+, 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 Specifics:
    15 AAAs; rural focus; not in nursing homes.
Benefits without Contact:
  • Services: Personal care (4-6 hours/day), respite (5 days/year), chore services, meal delivery ($7/meal), minor home repairs.
Kentucky Medicare Savings Program

Medicare Savings Program (MSP)

Requirements:
  • General:
    Age 65+ or disabled, 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 Specifics:
    Three tiers; no waitlist; auto Extra Help for Part D.
Benefits without Contact:
  • Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).
Kentucky NFCSP Respite Care

National Family Caregiver Support Program (NFCSP) Respite

Requirements:
  • 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 Specifics:
    15 AAAs; prioritizes low-income, rural caregivers.
Benefits without Contact:
  • Services: 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

Requirements:
  • 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 Specifics:
    Max $1,500/year; statewide via AAAs.
Benefits without Contact:
  • Services: Grants (~$500-$1,500/year) for respite, supplies, care costs; counseling, training.
Kentucky SCSEP

Senior Community Service Employment Program (SCSEP)

Requirements:
  • General:
    Age 55+, unemployed, low-income, Kentucky resident.
  • Income Limits (2025):
    ~$1,983/month (125% FPL).
  • Asset Limits:
    Not specified; income-focused.
  • KY Specifics:
    Priority for veterans, rural residents.
Benefits without Contact:
  • Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.
Kentucky VA Aid and Attendance/Housebound

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

Requirements:
  • General:
    Age 65+ or disabled veteran/spouse, 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 Specifics:
    High veteran demand in rural areas.
Benefits without Contact:
  • Services: Cash (~$1,433-$2,642/month veteran, ~$951-$1,318 spouse) for care costs (e.g., in-home, assisted living).
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