Carmel Home

Memory Care in Owensboro

CMS overall rating Info The Overall CMS Rating is scored from 1 to 5 stars and combines results from health inspections, staffing levels, and quality measures. Health inspections carry the most weight. Staffing and quality scores can increase or decrease the final rating based on performance compared to state and national standards.
Carmel Home

Memory Care in Owensboro

CMS overall rating Info The Overall CMS Rating is scored from 1 to 5 stars and combines results from health inspections, staffing levels, and quality measures. Health inspections carry the most weight. Staffing and quality scores can increase or decrease the final rating based on performance compared to state and national standards.
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Carmel Home accepts Medicare, Medicaid, and private pay.

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 The Overall CMS Rating combines results from health inspections, staffing levels and quality measures. Health inspections carry the most weight. Staffing and quality scores can increase or decrease the final rating based on performance compared to state and national standards.
4/5 ▲ 1.2 Kentucky average: 2.8/5
Health Inspection Info Based on the results of the facility's three most recent standard inspections and any complaint investigations. CMS reviews the number, scope, and severity of deficiencies, with more recent findings weighted more heavily.
4/5 ▲ 1.1 Kentucky average: 2.9/5
Quality Measures Info Based on clinical and physical health indicators reported to CMS, such as hospital readmissions, falls, pressure ulcers, and improvements in mobility. These measures reflect how well residents' health needs are being managed.
2/5 ▼ 0.9 Kentucky average: 2.9/5

Capacity and availability

Avg. Length of Stay
285 days

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

26% of new residents, usually for short-term rehab.

Typical stay 2 - 3 months

Private pay

51% of new residents, often for short stays.

Typical stay 6 - 7 years

Medicaid

23% of new residents, often for long-term daily care.

Typical stay 1 - 2 years

Finances and operations

Voluntary non-profit community
Operated by a church.
Home revenue
$7.5M
Operating deficit
-$417.7K
Voluntary non-profit community Operated by a church.
Home revenue
$7.5M Rank #138 / 173Revenue — state benchmarkedThis home is ranked 138th out of 173 homes in Kentucky.Shows this facility's annual revenue compared to the Kentucky SNF average. Higher revenue generally means more resources for staffing and capital — read alongside Payroll %.
Operating deficit
-$417.7K
Payroll costs Info The portion of the home's budget spent on staff, including nurses, caregivers, and other employees who support care and operations. Rank #66 / 173Payroll — state benchmarkedThis home is ranked 66th out of 173 homes in Kentucky.Shows total annual staff payroll benchmarked to the Kentucky average. Higher payroll investment relative to peers often signals better staffing and less reliance on cheaper contract labor.
$4.0M
53.1% of revenue Rank #7 / 173Payroll % — state benchmarkedThis home is ranked 7th out of 173 homes in Kentucky.Shows payroll as a percentage of revenue versus the Kentucky average. Well-run SNFs often land around 55–65%. Below 25% may signal understaffing or heavy agency use — read with Staffing ratings.
Other operating costs Info All remaining costs needed to run the home, such as food, utilities, building maintenance, supplies and administrative expenses.
$3.9M
Total costs $7.9M
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 Rank #42 / 53Walk Score — state benchmarkedThis home is ranked 42nd out of 53 homes in Kentucky.Shows how walkable this facility's neighborhood is compared to the average Walk Score across Kentucky SNFs. Higher scores benefit residents, families, and staff.
Car-dependent. Most errands require a car, with limited nearby walkable options.

About this community

Occupancy

Occupancy rate
83%
Rank #161 / 175Occupancy rate — state benchmarkedThis home is ranked 161st out of 175 homes in Kentucky.Shows this facility's occupancy rate versus the Kentucky average, with its statewide rank out of 175. Higher occupancy signals strong local demand and financial stability.
Similar to the Kentucky average: 81.3%
Occupied beds
96 / 115
Average residents 80 per day

License Details

Facility TypeLong Term Care (nursing Facility, Personal Care)
StatusActive
IssuanceSeptember 1, 2025
ExpirationAugust 31, 2026
CountyDaviess
License Number100082
CMS Certification Number185226

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

Therapy & Rehabilitation

2 services
Rehabilitation Services
Short-Term Rehab

Staffing & Medical

2 services
Licensed Nurses/CNAs
24-Hour Staffing

Additional Services

2 services
Personal Care
Skilled Care

Amenities & Lifestyle

Your Room
Lights
Heat/Air Conditioning
Water
Electricity
24 Hour Nursing Staff
Consultant Pharmacy Service
Dietary Services
Social Service And Activity Services
General Housekeeping Services
Bed Linens
General House And Ground Maintenance Services
Room Furnishings
Specific ProgramsAncillary health services (PT, OT, etc.), Beautician/Barber services, Dental services, Laundry services, Medical supplies, Medications, Oxygen, Physician services, Podiatry services, Special activities, Transportation service.
Religious ServicesYes

Dining & Nutrition

Food DescriptionDietary services include 3 meals per day and 2 snacks per day.
Meals IncludedYes

What does this home offer?

Housing options icon
Housing options icon

Housing Options: Private Rooms / Semi-Private Rooms

Building type icon
Building type icon

Building Type: Single-story

Transportation services icon
Transportation services icon

Transportation Services

Fitness and recreation icon
Fitness and recreation icon

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.

3 visits/inspections Info Inspections are mandatory, regular evaluations conducted by state health departments or regulatory agencies. They ensure the community provides safe, compliant care, covering areas like resident health, staff and management.

Latest inspection

Date April 10, 2025
Annual Inspection

3 deficiencies

Deficiencies indicate regulatory issues. A higher number implies the facility had several areas requiring improvement.

Kentucky average: 6 deficiencies

Inspection Report Summary for Carmel Home

The most recent inspections on April 10, 2025, found the facility in substantial compliance with no deficiencies identified. Earlier reports also showed no deficiencies, indicating a consistent pattern of compliance. There were no complaint investigations or enforcement actions listed in the available reports. Inspectors did not note any issues related to resident care, safety, or other regulatory areas. This record suggests the facility has maintained compliance over time without notable concerns.

Health Inspection History

Inspections
Total health inspections 1

Kentucky average 2.9


Last Health inspection on Feb 2024

Total health citations
3 Rank #7 / 172Health citations — state benchmarkedThis home is ranked 7th out of 172 homes in Kentucky.Shows this facility's total health deficiency citations benchmarked to the Kentucky state average, with a ranking across all 172 KY SNFs. Lower citation counts earn a better rank.

Kentucky average 13.5

Citations per inspection
3 Rank #44 / 172Citations per inspection — state benchmarkedThis home is ranked 44th out of 172 homes in Kentucky.Shows average deficiency citations per CMS inspection for this facility versus the Kentucky mean across 172 SNFs with citation data. Lower is better.

Kentucky average 4.4


Health citations are formal notices following inspections when they fail to comply with safety and care standards.

All 3 citations resulted from standard inspections.

Breakdown of citation severity (last 3 years)
Critical Health citations More info
0
100% better than Kentucky average

Kentucky average: 1.1


Serious Health citations More info 0
100% better than Kentucky average

Kentucky average: 0.6

0 critical citations More info Kentucky average: 1.1

0 serious citations More info Kentucky average: 0.6

2 moderate citations More info Kentucky average: 11.6

1 minor citation More info Kentucky average: 0.1
Citations history (last 3 years)
Nursing Services moderate citation Info Issues related to the availability and quality of nursing staff and the care they provide. Feb 15, 2024
Corrected

Nursing Services minor citation Info Issues related to the availability and quality of nursing staff and the care they provide. Feb 15, 2024
Corrected

Nutrition moderate citation Info Issues related to food quality, meal service, and resident's nutritional needs. Feb 15, 2024
Corrected

Financial Assistance for
Memory Care in Kentucky

Carmel Home 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

Senior Community Service Employment Program (SCSEP)

Kentucky SCSEP

Age 55+
General unemployed, low-income, Kentucky resident.
Income Limits (2025) ~$1,983/month 125% FPL
Asset Limits Not specified; income-focused.
KY

Priority for veterans, rural residents.

Benefits
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

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)

Places of interest near Carmel Home

Address 2.2 miles from city center Info Estimated distance in miles from Owensboro's city center to Carmel Home's address, calculated via Google Maps. — 0.85 miles to nearest hospital (Almost Family)

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Facility Characteristics

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

Total residents 18
Medicare
2
11.1% of residents
Medicaid
16
88.9% of residents
Programs & Services
Residents Group

Residents meet regularly to discuss policies, care quality, and activities

CCRC

Part of a Continuing Care Retirement Community offering multiple care levels

Active Resident Council

Organized group of residents that meets regularly to discuss facility policies, quality of life, and activities.

Quality of care over time

These measures show how residents usually do over time at this home, based on health outcomes and preventive care.

High-risk clinical events score Info A composite score based on pressure ulcers, falls with injury, weight loss, walking ability decline, and activities of daily living decline. 8.2
22% better than Kentucky average

Kentucky average: 10.5

Functional decline score Info A composite score based on activities of daily living decline, walking ability decline, and incontinence. 17.1
10% better than Kentucky average

Kentucky average: 18.9

Long-stay resident measures
Average Kentucky avg: 3.5 Info CMS star rating based on long-stay quality measure performance. 5 stars = significantly above average, 1 star = significantly below average.
Need for Help with Daily Activities Increased Info Percent of long-stay residents whose need for help with daily activities has increased 17.8%
6% worse than Kentucky average

Kentucky average: 16.8%

Low Risk Residents with Bowel/Bladder Incontinence Info Percent of low risk long-stay residents who lose control of their bowels or bladder 16.4%
20% better than Kentucky average

Kentucky average: 20.5%

Falls with Major Injury Info Percent of long-stay residents experiencing one or more falls with major injury 9.1%
142% worse than Kentucky average

Kentucky average: 3.8%

High Risk Residents with Pressure Ulcers Info Percent of long-stay high risk residents with pressure ulcers 3.9%
33% better than Kentucky average

Kentucky average: 5.8%

Urinary Tract Infection Info Percent of long-stay residents with a urinary tract infection 1.5%
18% better than Kentucky average

Kentucky average: 1.9%

Lost Too Much Weight Info Percent of long-stay residents who lose too much weight 2.1%
68% better than Kentucky average

Kentucky average: 6.8%

Depressive Symptoms Info Percent of long-stay residents who have depressive symptoms 0.0%
100% better than Kentucky average

Kentucky average: 14.3%

Antipsychotic Use Info Percent of long-stay residents who received an antipsychotic medication 22.7%
46% worse than Kentucky average

Kentucky average: 15.6%

Pneumococcal Vaccine Info Percent of long-stay residents assessed and appropriately given the pneumococcal vaccine 89.4%
5% worse than Kentucky average

Kentucky average: 93.9%

Short-stay resident measures
Pneumococcal Vaccine Info Percent of short-stay residents assessed and appropriately given the pneumococcal vaccine 76.7%
8% worse than Kentucky average

Kentucky average: 83.7%

Penalties and 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 amount $40K
36% lower than Kentucky average

Kentucky average: $63K

Number of fines 4
74% more fines than Kentucky average

Kentucky average: 2.3

Payment Denials Info Serious action where Medicare and/or Medicaid temporarily stops payments for new residents until issues are fixed. 1
206% more payment denials than Kentucky average

Kentucky average: 0.3

Fines amount comparison
Fines amount comparison
This facility $40K
Kentucky average $63K
Penalty History

Penalties are imposed by CMS for violations of federal nursing home regulations.

5 penalties in the past 3 years

Multiple penalties were reported in the last 3 years.

Civil Money Penalty Info Fines imposed for noncompliance, which can be assessed per day or per instance of violation. Feb 20, 2024
$4K
Civil Money Penalty Info Fines imposed for noncompliance, which can be assessed per day or per instance of violation. Feb 15, 2024
$25K
Payment Denial Info Serious action where Medicare and/or Medicaid temporarily stops payments for new residents until issues are fixed. Feb 15, 2024
9 days
Civil Money Penalty Info Fines imposed for noncompliance, which can be assessed per day or per instance of violation. Feb 12, 2024
$3K

Last updated: Jan 2026

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

Filter by care type
Signature Healthcare at Hillcrest
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.

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.

Owensboro156No 1 Private Rooms / Semi-Private Rooms14
Carmel Home
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.

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).

Owensboro (Old Hartford Road)115No 20 Private Rooms / Semi-Private Rooms-3
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.

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.

Owensboro68No 42 Private Rooms / Semi-Private Rooms-0
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.

Owensboro56Yes 9 Private Rooms / Semi-Private Rooms-0
Rosedale Rest Home
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.

Owensboro50No 52 Private Rooms / Semi-Private Rooms-0

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