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Cottages of Lake St. Louis
Nursing Home & Skilled Nursing · Lake St Louis, MO
CMS overall rating Info CMS (the Centers for Medicare & Medicaid Services) is the federal agency that rates nursing home quality. Its Overall Rating runs from 1 to 5 stars, combining health inspections, staffing, and quality measures, with inspections weighted most heavily.
Exterior view of Cottages of Lake St. Louis facility Video Tour Bright and spacious common area with dining setup Bright dining room with tables and chairs Bright and welcoming common area with comfortable seating Bright common area with comfortable seating and natural light

Cottages of Lake St. Louis

Nursing Home & Skilled Nursing · Lake St Louis, MO
CMS overall rating Info CMS (the Centers for Medicare & Medicaid Services) is the federal agency that rates nursing home quality. Its Overall Rating runs from 1 to 5 stars, combining health inspections, staffing, and quality measures, with inspections weighted most heavily.
2885 Technology Dr, Lake St Louis, MO 63367 View map Calculator: See prices in your area
Cottages of Lake St. Louis accepts Medicare and private pay.
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Cottages of Lake St. Louis accepts Medicare and private pay.

Overview of Cottages of Lake St. Louis

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Experience unparalleled care and assistance with the outstanding senior living community of Cottages of Lake St. Louis in Technology Drive, Lake St. Lous, MO, focusing on skilled nursing. The community features a variety of cozy and welcoming residences that can accommodate up to 60 residents, ensuring their safety and comfort. With a compassionate and highly qualified team lending extra hands around the clock, seniors let go of their woes and live to their potential.

The community fosters a bright and friendly environment, providing opportunities for seniors to meet new friends and create lasting moments. Therapy services are also provided to ensure residents perform their daily routines smoothly. Cottages of Lake St. Louis is ideal for seniors who require extra care and support while aiming to keep their independence.

Facility Direct Line (636) 614-3510
Facility Direct Line (636) 614-3510
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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.
▲ 61.0% Above MO avg. ▲ 61.0% Above MO avg.MO average: 2.5Click the badge to see the full State ranking.Click here to see the full State ranking.
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.
▲ 44.2% Above MO avg. ▲ 44.2% Above MO avg.MO average: 2.8Click the badge to see the full State ranking.Click here to see the full State ranking.
Staffing Info Measures average nursing staff hours per resident per day, including Registered Nurses (RNs) and total nursing staff. Ratings are adjusted based on the level of care residents require and are compared to state and national benchmarks.
▲ 82.8% Above MO avg. ▲ 82.8% Above MO avg.MO average: 2.2Click the badge to see the full State ranking.Click here to see the full State ranking.
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.
▲ 50.5% Above MO avg. ▲ 50.5% Above MO avg.MO average: 2.7Click the badge to see the full State ranking.Click here to see the full State ranking.

Staffing hours Info Daily nursing hours per resident by staff type, reported to CMS. Higher is generally better — compare this facility to state and national averages to see where staffing stands.

Hours per resident per day vs Missouri averages

Rank #3 / 268Nurse hours — State benchmarkedThis home is ranked 3rd out of 268 homes we track in Missouri for nurse hours. Shows adjusted nurse hours per resident per day benchmarked to the Missouri average, with a ranking across 268 Missouri facilities. More hours mean more direct care. The national average is about 3.5 hrs; below 3.0 is a red flag.Communities with the same value for a metric share the same rank. Rankings cover every community we track in Missouri that reports data for that category. 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.

Total nursing care Info This home is ranked 3rd out of 268 homes we track in Missouri for nurse hours. Total adjusted nursing hours per resident per day, combining RN, LPN, and aide time. CMS adjusts this for case-mix so facilities can be fairly compared.

6h 21m

70% above state avg
Staff type
Hours / day / resident
vs state avg
Registered Nurse (RN) Info RNs hold the highest nursing license and can assess residents, interpret test results, and direct care plans. More RN hours per day often signals stronger clinical oversight and faster response to health changes.
45m
+60% State avg: 28m per day · National avg: 41m per day
LPN / LVN Info Licensed Practical Nurses (LPNs) or Licensed Vocational Nurses (LVNs) deliver routine hands-on care — medication administration, wound dressing, and monitoring vital signs. They work under RN supervision and make up a large share of daily bedside care.
1h 29m
+116% State avg: 41m per day · National avg: 52m per day
Nurse Aide Info Certified Nurse Aides (CNAs) provide the most direct day-to-day assistance: bathing, dressing, feeding, and mobility. Nurse aide hours are typically the largest staffing category and directly affect residents' quality of life.
4h 8m
+77% State avg: 2h 20m per day · National avg: 2h 21m per day
Weekend Total Nursing Info Combined nursing hours (RN + LPN + Nurse Aide) per resident per day on weekends. Staffing often drops on weekends — this figure reveals whether the facility maintains adequate coverage outside of weekday hours.
5h 45m
+88% State avg: 3h 3m per day · National avg: 3h 26m per day
Physical Therapist Info Hours per resident per day provided by licensed Physical Therapists (PTs) or PT Assistants. PT services help residents recover mobility after injury or illness and are especially important for post-acute (short-stay) rehabilitation.
3m
+49% State avg: 2m per day · National avg: 4m per day
Weekend RN Info Registered nurse hours specifically on weekends. Facilities sometimes reduce RN presence on Saturdays and Sundays — a low weekend RN figure compared to weekday hours can indicate reduced clinical oversight when most administrative staff are absent.
28m
+38% State avg: 20m per day · National avg: 29m per day

All 6 underlying metrics are above the state average

Standout metric: LPN / LVN is +116% above Missouri average

Capacity and availability

Residents per day
49
Avg. Length of Stay Info Average number of days residents stay at this facility, based on CMS cost report data. Shorter stays often reflect post-acute or rehab care; longer stays reflect long-term care.
49 days
Bed community size
60-bed community Rank #340 / 450Bed count — State benchmarkedThis home is ranked 340th out of 450 homes we track in Missouri for bed count. Shows this facility's certified or reported bed count compared to other Missouri 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 cover every community we track in Missouri that reports data for that category. 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.
A moderately sized community that may balance personal attention with shared amenities and social activities.
Years in operation
11 years in operation Rank #74 / 226Years in operation — State benchmarkedThis home is ranked 74th out of 226 homes we track in Missouri for years in operation. Shows how long this facility has been in operation compared to other Missouri facilities. Longer operating histories may benefit residents, families, and staff.Communities with the same value for a metric share the same rank. Rankings cover every community we track in Missouri that reports data for that category. 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.
A community with a solid operating history and experience delivering ongoing care.
Walk Score
Walk Score: 13 / 100 Rank #483 / 545Walk Score — State benchmarkedThis home is ranked 483rd out of 545 homes we track in Missouri for walk score. Shows how walkable this facility's neighborhood is compared to the average walk score across Missouri facilities. Higher scores benefit residents, families, and staff.Communities with the same value for a metric share the same rank. Rankings cover every community we track in Missouri that reports data for that category. 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.
Car-dependent. Most errands require a car, with limited nearby walkable options.

About this community

Occupancy

Occupancy rate
82%
Rank #91 / 407Occupancy rate — State benchmarkedThis home is ranked 91st out of 407 homes we track in Missouri for occupancy. Shows this facility's occupancy rate versus the Missouri average, with its Statewide rank out of 407. Higher occupancy signals strong local demand and financial stability.Communities with the same value for a metric share the same rank. Rankings cover every community we track in Missouri that reports data for that category. 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.
Higher than the Missouri average: 66.6%
Occupied beds
49 / 60
Average occupied beds in Missouri homes 72 beds

License Details

Facility TypeSkilled Nursing Facility
CountySaint Charles
CMS Certification Number265860

Ownership & Operating Entity

Cottages of Lake St. Louis is legally operated by Fsc Of Lake St Louis, LLC, and administered by Brandi Smith.

Corporate EntityFSC OF LAKE ST LOUIS LLC

Contact Cottages of Lake St. Louis

Inspection History

In Missouri, the Department of Health and Senior Services, Division of Regulation and Licensure performs the inspections and unannounced surveys required for all long-term care providers.

Since 2018 · 8 years of data These figures come from state-published and/or federal inspection records. The period covered can vary depending on document availability. 66 deficiencies 13 inspections

Inspection Scorecard Info This scorecard compares key inspection, deficiency, and complaint metrics at this facility against the Missouri state average. Metrics rated ≥15% worse than average are highlighted in red; those ≥15% better are highlighted in green.

Since 2018 vs. Missouri state average
Overall vs. MO average 2 Worse Metrics worse than Missouri average:
• Total deficiencies (89% above)
• Deficiencies per inspection (76% above) 0 Better No metrics in this bucket.

Deficiencies Info Deficiencies are formal regulatory issues recorded during state inspections.

This FacilityMO Averagevs. MO Avg
Total deficiencies Info Formal regulatory issues recorded by inspectors across all inspection types. 6635 This facility has 89% more total deficiencies than a typical Missouri nursing home (66 vs. MO avg 35).↑ 89% worse
Deficiencies per inspection Info Average deficiencies per inspection. 5.12.9 This facility has 76% more deficiencies per inspection than a typical Missouri nursing home (5.1 vs. MO avg 2.9).↑ 76% worse

Inspections Info State inspections evaluate whether the facility meets health and safety standards.

This FacilityMO Averagevs. MO Avg
Total inspections Info Combined count of all inspections conducted at this facility. 1312 This facility has had 8% more total inspections than the Missouri average (13 vs. MO avg 12). More inspections can mean more regulatory scrutiny rather than worse care.↑ 8% more
Show Inspection Reports

CMS Health Inspection History

Federal inspection data published by CMS, covering this home's Medicare and/or Medicaid-certified skilled-nursing/nursing beds only.

Inspections Since 2018 · 8 years of data
Total health inspections 4

Missouri average 6.6

Last Health inspection on Jul 2025

Total health citations
11 Rank #23 / 274Health citations — State benchmarkedThis home is ranked 23rd out of 274 homes we track in Missouri for health citations. Shows this facility's total health deficiency citations benchmarked to the Missouri State average, with a ranking across all 274 MO facilities. Lower citation counts earn a better rank.Communities with the same value for a metric share the same rank. Rankings cover every community we track in Missouri that reports data for that category. 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.

Missouri average 36.5

Citations per inspection
2.75 Rank #22 / 274Citations per inspection — State benchmarkedThis home is ranked 22nd out of 274 homes we track in Missouri for citations per inspection. Shows average deficiency citations per CMS inspection for this facility versus the Missouri mean across 274 facilities with citation data. Lower is better.Communities with the same value for a metric share the same rank. Rankings cover every community we track in Missouri that reports data for that category. 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.

Missouri average 5.67

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

8 of 11 citations resulted from standard inspections; 1 of 11 resulted from complaint investigations; and 2 of 11 came from combined inspections (standard and complaint).

Breakdown of citation severity (last 8 years)
Critical health citations
1
43% worse than Missouri average

Missouri average: 0.7

Serious health citations
1
In line with Missouri average

Missouri average: 1

1 critical citation Missouri average: 0.7
1 serious citation Missouri average: 1
9 moderate citations Missouri average: 33.6
0 minor citations Missouri average: 1.2
Citations history (last 8 years)
Resident Rights moderate citation Jul 24, 2025
Corrected
Nutrition moderate citation Oct 12, 2023
Corrected
Quality of Care serious citation Oct 12, 2023
Corrected
Nutrition moderate citation Dec 13, 2019
Corrected

Data sourced from CMS Health Deficiencies reports, which cover the Medicare and/or Medicaid-certified skilled-nursing and nursing beds and no other part of the community. Citation severity codes range from A (least serious) to L (most serious). Immediate Jeopardy (J-L) citations indicate situations where the facility's noncompliance has placed residents at risk of death or serious harm.

Staffing Data

Reporting period: October 1 – December 31, 2025 (Q4 2025). Source: CMS Payroll-Based Journal report.

Total staff 153
Employees 129
Contractors 24
Staff to resident ratio 3.12 : 1
84% more staff per resident than Missouri average
Missouri average ratio: 1.69 : 1 Missouri average ratio: 1.69 : 1See full Missouri ranking
Avg staff/day 49
Average shift 7.6 hours
6% worse than Missouri average
Missouri average: 8.1 hours Missouri average shift: 8.1 hoursSee full Missouri ranking
Total staff hours (quarter) 34,137

Nursing staff breakdown

Q4 2025 · Oct 1 – Dec 31 More info This data comes from the CMS Payroll-Based Journal report covering October 1 – December 31, 2025.
Registered Nurse

Manages medical care and health needs.

RN Staff Info All 8 RN Staff are full-time employees. No contractors work on this role. 8
Average shift length Info Average shift length. Calculated as total hours divided by days worked and average staff per day. 10 hours
Licensed Practical Nurse

Assists with medical care and medications.

LPN Staff Info All 23 LPN Staff are full-time employees. No contractors work on this role. 23
Average shift length Info Average shift length. Calculated as total hours divided by days worked and average staff per day. 9.3 hours
Certified Nursing Assistant

Helps with daily care and mobility.

CNA Staff Info All 88 CNA Staff are full-time employees. No contractors work on this role. 88
Average shift length Info Average shift length. Calculated as total hours divided by days worked and average staff per day. 7.4 hours

Contractor staffing

Q4 2025 · Oct 1 – Dec 31 More info This data comes from the CMS Payroll-Based Journal report covering October 1 – December 31, 2025.

Total hours from contractors

9.1%

3,102 contractor hours this quarter

Physical Therapy Assistant: 6 Physical Therapy Aide: 5 Speech Language Pathologist: 5 Respiratory Therapy Technician: 2 Qualified Social Worker: 2 Occupational Therapy Assistant: 2 Occupational Therapy Aide: 1 Medical Director: 1

Staff by category

Q4 2025 · Oct 1 – Dec 31 More info This data comes from the CMS Payroll-Based Journal report covering October 1 – December 31, 2025.
Certified Nursing Assistant8808818,58592100%7.4
Licensed Practical Nurse230236,20092100%9.3
Registered Nurse8082,3699199%10
Physical Therapy Aide0551,1308693%5.8
RN Director of Nursing2029536470%8.2
Speech Language Pathologist0557657480%6
Clinical Nurse Specialist2027187278%8
Nurse Practitioner1015466773%8.2
Mental Health Service Worker1014806065%8
Administrator1014645863%8
Dietitian1014605863%7.9
Qualified Social Worker0224556267%7.3
Physical Therapy Assistant0663237784%3.7
Respiratory Therapy Technician0222626571%3.9
Other Dietary Services Staff2022615661%4.7
Occupational Therapy Aide0111151415%8.2
Medical Director011321921%1.7
Occupational Therapy Assistant0222055%4.1
88 Certified Nursing Assistant
% of Days 100%
23 Licensed Practical Nurse
% of Days 100%
8 Registered Nurse
% of Days 99%
5 Physical Therapy Aide
% of Days 93%
View All Staffing Data in St Louis

Penalties and fines

Includes penalties issued in 2023

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 $18K Rank #190 / 276Federal fines — State benchmarkedThis home is ranked 190th out of 276 homes we track in Missouri for federal fines. Shows this facility's cumulative CMS federal fine dollars versus the Missouri average among facilities with fines, and where it ranks among 276 facilities in the pool. Lower total dollars mean a better rank.Communities with the same value for a metric share the same rank. Rankings cover every community we track in Missouri that reports data for that category. 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.
76% lower than Missouri average

Missouri average: $73K

Number of fines 1
59% fewer fines than Missouri average

Missouri average: 2.4

Payment Denials Info Serious action where Medicare and/or Medicaid temporarily stops payments for new residents until issues are fixed. 0
100% fewer payment denials than Missouri average

Missouri average: 0.7

Fines amount comparison
Fines amount comparison
This facility $18K
Missouri average $73K
Penalty History

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

1 penalty in the past 3 years

Oct 12, 2023 · $18K

Civil Money Penalty Info Fines imposed for noncompliance, which can be assessed per day or per instance of violation. Oct 12, 2023
$18K

Last updated: Jan 2026

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. 14.8
35% worse than Missouri average

Missouri average: 10.9

Functional decline score Info A composite score based on activities of daily living decline, walking ability decline, and incontinence. 25.4
30% worse than Missouri average

Missouri average: 19.5

Long-stay resident measures
Above average Missouri avg: 2.7 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 19.1%
In line with Missouri average

Missouri average: 19.8%

Walking Ability Worsened Info Percent of long-stay residents whose ability to move independently worsened 28.3%
37% worse than Missouri average

Missouri average: 20.6%

Low Risk Residents with Bowel/Bladder Incontinence Info Percent of low risk long-stay residents who lose control of their bowels or bladder 28.8%
59% worse than Missouri average

Missouri average: 18.1%

Falls with Major Injury Info Percent of long-stay residents experiencing one or more falls with major injury 8.7%
115% worse than Missouri average

Missouri average: 4.0%

High Risk Residents with Pressure Ulcers Info Percent of long-stay high risk residents with pressure ulcers 9.8%
96% worse than Missouri average

Missouri average: 5.0%

Urinary Tract Infection Info Percent of long-stay residents with a urinary tract infection 10.7%
293% worse than Missouri average

Missouri average: 2.7%

Lost Too Much Weight Info Percent of long-stay residents who lose too much weight 8.2%
48% worse than Missouri average

Missouri average: 5.6%

Depressive Symptoms Info Percent of long-stay residents who have depressive symptoms 6.5%
49% better than Missouri average

Missouri average: 12.8%

Antipsychotic Use Info Percent of long-stay residents who received an antipsychotic medication 15.1%
31% better than Missouri average

Missouri average: 22.0%

Pneumococcal Vaccine Info Percent of long-stay residents assessed and appropriately given the pneumococcal vaccine 96.5%
13% better than Missouri average

Missouri average: 85.2%

Influenza Vaccine Info Percent of long-stay residents assessed and appropriately given the seasonal influenza vaccine 100.0%
10% better than Missouri average

Missouri average: 90.9%

Hospitalizations per 1,000 days Info Number of hospitalizations per 1,000 long-stay resident days. 2.20
6% worse than Missouri average

Missouri average: 2.08

ED visits per 1,000 days Info Number of outpatient emergency department visits per 1,000 long-stay resident days. 0.96
59% better than Missouri average

Missouri average: 2.35

Short-stay resident measures
Average Missouri avg: 2.1 Info CMS star rating based on short-stay quality measure performance. 5 stars = much above average, 1 star = much below average.
Pneumococcal Vaccine Info Percent of short-stay residents assessed and appropriately given the pneumococcal vaccine 95.4%
43% better than Missouri average

Missouri average: 66.6%

Antipsychotic medication increase Info Percent of short-stay residents who newly received an antipsychotic medication 1.5%
33% better than Missouri average

Missouri average: 2.2%

Influenza Vaccine Info Percent of short-stay residents assessed and appropriately given the seasonal influenza vaccine 95.3%
50% better than Missouri average

Missouri average: 63.5%

Re-hospitalized after SNF stay Info Percentage of short-stay residents who were re-hospitalized after their nursing home admission. 14.7%
42% better than Missouri average

Missouri average: 25.3%

Emergency department visits Info Percentage of short-stay residents who had an outpatient emergency department visit. 12.8%
In line with Missouri average

Missouri average: 13.4%

Falls with major injury Info Percentage of SNF residents who experience falls with major injury during their stay. 0.7%
14% better than Missouri average

Missouri average: 0.8%

Ability to care for self at discharge Info Percentage of residents at or above expected ability to care for themselves at discharge. 43.8%
18% worse than Missouri average

Missouri average: 53.7%

Successful return to home or community Info Rate of successful return to home or community from a skilled nursing facility. 62.2%
23% better than Missouri average

Missouri average: 50.6%

Quality measures are calculated from Minimum Data Set (MDS) assessments. For most measures, lower percentages indicate better care quality.

Breakdown by payment type

Medicare

30% of new residents, usually for short-term rehab.

Typical stay 24 days

Private pay

70% of new residents, often for short stays.

Typical stay 1 - 2 months

Facility Characteristics

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

Total residents 49
Medicare
14
28.6% of residents
Private pay or other
35
71.4% of residents
Programs & Services
Residents Group

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

Active Resident Council

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

Data sourced from CMS Long-Term Care Facility Characteristics quarterly report. Payer mix reflects the current resident census by primary payment source.

Finances and operations

Based on CMS SNF Cost Report for fiscal year ending in 12/2023.

For-profit
Operated by a single business entity.
Net patient revenue Info Net patient revenue — what the home actually collects for resident care, after contractual allowances, bad debt and discounts are subtracted from its gross charges (CMS cost report, Worksheet G-3). It covers resident care only; money the home earns from other sources is shown separately as "Other income."
$8.9M
Net patient income Info Net patient income: net patient revenue minus the home's total operating expenses. A positive figure means it earns more from resident care than it spends to deliver it; a negative figure means the opposite. It excludes non-operating "other income."
$10.0K
For-profit Operated by a single business entity.
Net patient revenue Info Net patient revenue — what the home actually collects for resident care, after contractual allowances, bad debt and discounts are subtracted from its gross charges (CMS cost report, Worksheet G-3). It covers resident care only; money the home earns from other sources is shown separately as "Other income."
$8.9M Rank #60 / 251Net patient revenue — State benchmarkedThis home is ranked 60th out of 251 homes we track in Missouri. Shows this facility's net patient revenue compared to the Missouri average, among facilities reporting a recent fiscal year. Higher revenue generally means more resources for staffing and capital — read alongside Payroll %.Communities with the same value for a metric share the same rank. Rankings cover every community we track in Missouri that reports data for that category. Communities without available data are excluded, so the pool size varies from metric to metric.
Net patient income Info Net patient income: net patient revenue minus the home's total operating expenses. A positive figure means it earns more from resident care than it spends to deliver it; a negative figure means the opposite. It excludes non-operating "other income."
$10.0K
Other income Info Money the home earns outside of resident care — such as investments, grants, rentals and other non-operating sources (CMS cost report, Worksheet G-3). It is tracked separately from net patient revenue: it is not part of that figure, and it is not included in net patient income.
$1.0M
Payroll costs Info Staff salaries plus wage-related costs — benefits such as payroll taxes, health insurance and retirement — from the home's own accounting records (CMS cost report, Worksheet A). Contract or agency labor is counted separately, under other operating costs. Rank #59 / 251Payroll costs — State benchmarkedThis home is ranked 59th out of 251 homes we track in Missouri. Shows total staff payroll — salaries plus wage-related benefits — benchmarked to the Missouri average, among facilities reporting a recent fiscal year. Higher payroll relative to peers often signals better staffing and less reliance on contract labor.Communities with the same value for a metric share the same rank. Rankings cover every community we track in Missouri that reports data for that category. Communities without available data are excluded, so the pool size varies from metric to metric.
$4.9M 55.4% of net patient revenue Info Payroll as a share of revenue: staff salaries and wage-related benefits divided by net patient revenue. A higher figure means more of each revenue dollar goes to staff pay. Rank #106 / 251Payroll % of net patient revenue — State benchmarkedThis home is ranked 106th out of 251 homes we track in Missouri. Shows payroll as a percentage of net patient revenue versus the Missouri average, among facilities reporting a recent fiscal year. Below 25% may signal understaffing or heavy agency use — read with Staffing ratings.Communities with the same value for a metric share the same rank. Rankings cover every community we track in Missouri that reports data for that category. Communities without available data are excluded, so the pool size varies from metric to metric.
Other operating costs Info Everything it costs to run the home apart from payroll — food, utilities, supplies, maintenance, contract labor and administration. Calculated as total operating expense minus payroll (staff salaries and wage-related benefits).
$4.0M
Total costs Info The home's total operating expense for the year — all the costs of running it, salaries included (CMS cost report, Worksheet G-3).
$8.9M
How we calculate these figures

This home is administered by Brandi Smith.

This home is owned by Cottages Master LLC

Certified by the Centers for Medicare & Medicaid Services authority — CMS Certification Number: 265860

Show certification details

What does this home offer?

Pets allowed icon
Pets allowed icon

No pets allowed

Housing options icon
Housing options icon

Housing Options: 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

Type of Rooms Available

Private Rooms
Private Rooms
1 / 4
Private Rooms

Who this home usually serves

TYPE OF STAY

Primarily short stays

Residents typically stay for brief periods, with frequent admissions and discharges throughout the year.

Most new residents arrive under private pay (70% of admissions), and a typical private pay stay runs around 1 - 2 months.

Admissions
423 total

Coverage residents most often arrive under.

Medicare 30%
Private pay 70%
Discharges
408 total

Coverage residents most often leave under.

Medicare 24%
Private pay 76%

Admissions and discharges reflect care patterns over time — they are not used to rate this facility.

How we assess these insights

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Places of interest near Cottages of Lake St. Louis

Address 1.3 miles from city center Info Estimated distance in miles from Lake St Louis's city center to Cottages of Lake St. Louis's address, calculated via Google Maps. — 1.99 miles to nearest hospital (SSM Health St. Joseph Hospital - Lake Saint Louis)

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Compare Nursing Homes around St Louis

Info below is compiled from CMS reports & the MO Dept. of Health & Senior Services (DHSS), senior community websites & trusted data sources such as Walk Score & BBB.

Communities are listed from highest to lowest based on our ranking methodology.

The facility name. Click to view the full profile page on Assisted Living Magazine, including photos, services, and contact info.
CMS (Centers for Medicare & Medicaid Services, the federal agency that regulates nursing homes) Overall 5-star rating — a composite of Health Inspection, Staffing, and Quality Measures scores. 5 stars = top 10% nationally. 1 star = bottom 10%. The single most important number to start with when comparing facilities.
Care Types in This Table AL (Assisted Living): Housing with help for daily activities like bathing, dressing, and medication, without 24-hour skilled nursing. NH (Nursing Home): 24/7 skilled nursing care for residents with complex, ongoing medical needs. SNF (Skilled Nursing Facility): Round-the-clock nursing care, often for recovery after surgery, injury, or illness. 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. IL (Independent Living): Community living with dining, activities, and transportation for active seniors who need little personal care. HOS (Hospice Care): Comfort-focused care for those with a terminal illness, prioritizing quality of life over treatment. PC (Palliative Care): Comfort-focused care for serious illness at any stage, including alongside curative treatment.
Neighborhood or city area where the facility is located. Proximity to family, hospitals, and green space matters for both quality of life and ease of visitation. Consider drive time and transit access when evaluating location.
Licensed bed capacity. Larger facilities (300+ beds) often have more specialized programs but can feel institutional. Smaller homes (under 150 beds) tend to deliver more personalized care. Compare with Avg Res/Day to understand how full the facility typically runs.
Percentage of licensed beds filled on an average day. Color indicates financial health: green (90%+) = operationally strong, typically profitable. Amber (80–89%) = stable but leaving revenue on the table. Orange (70–79%) = financial strain likely, may struggle with fixed costs. Red (<70%) = significant distress, closure or ownership change risk increases sharply.
This facility's occupancy rate compared to the statewide average for similar facilities. A positive number means above-average demand. Facilities running 5%+ above the state average are typically the most sought-after in their market — a strong proxy for reputation.
CMS-adjusted total nurse hours per resident per day (RN + LPN + CNA combined). The national average is approximately 3.5 hrs. Higher is better — more direct care time per resident. Below 3.0 is a red flag. CMS weights RN hours more heavily because RNs handle complex clinical decisions that CNAs cannot.
CMS Health Inspection star rating (1–5 stars), based on the 3 most recent annual state surveys plus any complaint investigations. This is the hardest rating to manipulate — it reflects real surveyor findings on-site. 5 stars = fewest deficiencies found. 1 star = most. It carries the heaviest weight in the Overall CMS rating.
CMS Staffing star rating (1–5 stars), based on daily nurse staffing hours submitted to CMS via verified payroll data. Compares RN, LPN, and CNA coverage relative to resident acuity level. 5 stars = well above expected staffing. Weekend staffing is evaluated separately, as that's where many facilities quietly reduce coverage.
CMS Quality Measures star rating (1–5 stars), based on 15 clinical outcome metrics including fall rates, pressure ulcers, antipsychotic drug use, and hospital readmissions. Captures actual resident health outcomes, not just compliance. High QM combined with low Health Inspection scores can indicate a facility with strong care but weak documentation practices.
Registered Nurse hours per resident/day compared to the statewide average. RNs are the highest-skilled nursing staff — they assess residents, manage medications, and respond to emergencies. A value of +50% means RN coverage is 50% above the state norm. Negative values are a concern for residents with complex or acute medical needs.
Total nursing staff hours (RN + LPN + CNA combined) per resident/day vs. the statewide average. A broader measure than RN vs State — it captures the entire care team. A facility can have high total staffing but low RN hours, meaning more aides and fewer nurses. Read both columns together for the full picture.
Total dollar amount of federal monetary fines (civil money penalties) issued by CMS in the past 3 years. Fines are only levied for serious violations — typically actual harm to residents, repeated uncorrected deficiencies, or systemic non-compliance. Even a single fine is noteworthy. Multiple fines strongly suggest a pattern, not isolated incidents.
Total health deficiency citations from the most recent standard inspection cycle. Minor citations (scope A–C) are common and often administrative in nature. Higher counts aren't always disqualifying, but should be read alongside Severe Citations to understand actual harm levels. Under 10 is strong for a large facility; 30+ warrants a closer look.
Average deficiency citations per CMS inspection (survey) in the reporting window — total citations divided by the number of inspections. Lower is better; compare alongside total Citations and Severe Citations for context.
Citations at CMS scope/severity level G or higher — G–I means actual harm occurred; J–L means residents were placed in immediate jeopardy. (D–F is potential for harm only). Examples include unaddressed falls, medication errors causing injury, neglect, or abuse.
Average number of residents in the building on any given day, derived from annual census data. Reflects true operating scale — a 400-bed facility running 200 residents/day operates very differently from one at 390. Higher resident counts generally mean more funded staffing hours.
Better Business Bureau rating (A+ to F). Reflects complaint history, business transparency, and how family disputes were resolved. A+ means no significant unresolved complaints. A blank (—) means the facility isn't BBB-accredited, which is common for healthcare providers and not necessarily a negative signal.
Walk Score® (0–100). Measures walkability of the surrounding area. 90–100 = Walker's Paradise. 70–89 = Very Walkable. 50–69 = Somewhat Walkable. Below 50 = Car-Dependent. Higher scores benefit family visitors, resident outings, and staff commuting.
The licensed owner or operator of record filed with CMS — the individual or organization legally accountable for the facility. Searching the operator name across other facilities can reveal chain or multi-site ownership, which matters: chain-operated homes tend to have more variable quality outcomes than independently run facilities.
What the home actually collects for resident care, after contractual allowances, bad debt and discounts — not gross billings. Taken from the latest complete annual cost report, so it is comparable across homes reporting the same period. Revenue alone doesn't indicate care quality, but it funds staffing and capital reinvestment. Pair with Payroll %. Figures are from each facility's most recent complete fiscal year — hover a value for the exact year; a * marks homes that report an older period than most facilities.
Staff salaries plus wage-related benefits from the latest complete annual cost report. Contract and agency labour is counted separately, under other operating costs, so a home leaning on agency staff can show a low figure here. Payroll is the cost most directly tied to care quality — compare with Payroll % for full context. Figures are from each facility's most recent complete fiscal year — hover a value for the exact year; a * marks homes that report an older period than most facilities.
Payroll as a share of NET PATIENT REVENUE (not gross revenue). Both figures come from the same cost-report year. A higher figure means more of each revenue dollar goes to staff pay. Read with the Staffing star rating to judge whether spend translates into coverage — and note that homes whose patient revenue covers only part of their operation can read implausibly high. The Missouri average is: 54.9% Figures are from each facility's most recent complete fiscal year — hover a value for the exact year; a * marks homes that report an older period than most facilities.
CMS Certification Number: the unique federal identifier for this skilled nursing provider.
Laclede Groves ★ ★ ★ ★ ★
NH
AL
IL
MC
SNF
St. Louis
251
Facility 251
MO AVG 96
Rank #3 / 450
40.9%
Facility 40.9%
MO AVG 66.5
Rank #365 / 407
-39%
5.27
Facility 5.27
MO AVG 3.74
Rank #20 / 268
 ★ ★ ★ ★ ☆ ★ ★ ★ ★ ★ ★ ★ ★ ★ ★ +48%+41%
$0
Facility $0
MO AVG $76.9k
Rank #1 / 276
9
Facility 9
MO AVG 36.5
Rank #10 / 274
4.5
Facility 4.5
MO AVG 5.7
Rank #99 / 274
-103-
35
Facility 35
MO AVG 46
Rank #353 / 545
John Komlos
$24.9MFiscal year ending 12/2023
Facility $24.9MFiscal year ending 12/2023
MO AVG $7.4M
Rank #3 / 251
$27.4MFiscal year ending 12/2023
Facility $27.4MFiscal year ending 12/2023
MO AVG $3.9M
Rank #2 / 251
109.9%Fiscal year ending 12/2023
Facility 109.9%Fiscal year ending 12/2023
MO AVG 54.9%
Rank #1 / 251
265600
Cottages of Lake St. Louis ★ ★ ★ ★ ☆
NH
SNF
Lake St Louis (Lake Saint Louis)
60
Facility 60
MO AVG 96
Rank #340 / 450
81.7%
Facility 81.7%
MO AVG 66.5
Rank #91 / 407
+23%
6.35
Facility 6.35
MO AVG 3.74
Rank #3 / 268
 ★ ★ ★ ★ ☆ ★ ★ ★ ★ ☆ ★ ★ ★ ★ ☆ -32%+70%
$17.7k
Facility $17.7k
MO AVG $76.9k
Rank #190 / 276
11
Facility 11
MO AVG 36.5
Rank #23 / 274
2.8
Facility 2.8
MO AVG 5.7
Rank #22 / 274
249-
13
Facility 13
MO AVG 46
Rank #483 / 545
Cottages Master LLC
$8.9MFiscal year ending 12/2023
Facility $8.9MFiscal year ending 12/2023
MO AVG $7.4M
Rank #60 / 251
$4.9MFiscal year ending 12/2023
Facility $4.9MFiscal year ending 12/2023
MO AVG $3.9M
Rank #59 / 251
55.4%Fiscal year ending 12/2023
Facility 55.4%Fiscal year ending 12/2023
MO AVG 54.9%
Rank #106 / 251
265860
River Crossing Rehab and Healthcare Center ★ ★ ☆ ☆ ☆
NH
HOS
MC
PC
SNF
St. Louis (Dunn Loring)
120
Facility 120
MO AVG 96
Rank #87 / 450
73.7%
Facility 73.7%
MO AVG 66.5
Rank #157 / 407
+11%
3.18
Facility 3.18
MO AVG 3.74
Rank #191 / 268
 ★ ★ ★ ☆ ☆ ★ ☆ ☆ ☆ ☆ ★ ★ ☆ ☆ ☆ -45%-15%
$0
Facility $0
MO AVG $76.9k
Rank #1 / 276
36
Facility 36
MO AVG 36.5
Rank #170 / 274
5.1
Facility 5.1
MO AVG 5.7
Rank #133 / 274
188--River Crossing Holdco LLC$6.7M*Fiscal year ending 11/2022These figures are from this home's most recent complete cost report — an older period than most facilities report. Compare with that in mind.$4.3M*Fiscal year ending 11/2022These figures are from this home's most recent complete cost report — an older period than most facilities report. Compare with that in mind.64.8%*Fiscal year ending 11/2022These figures are from this home's most recent complete cost report — an older period than most facilities report. Compare with that in mind.265457
St Louis Altenheim ★ ☆ ☆ ☆ ☆
NH
AL
IL
MC
RC
SNF
St. Louis (Carondelet)
48
Facility 48
MO AVG 96
Rank #395 / 450
89.6%
Facility 89.6%
MO AVG 66.5
Rank #36 / 407
+35%
3.97
Facility 3.97
MO AVG 3.74
Rank #88 / 268
 ★ ★ ☆ ☆ ☆ ★ ★ ☆ ☆ ☆ ★ ☆ ☆ ☆ ☆ -+6%
$0
Facility $0
MO AVG $76.9k
Rank #1 / 276
---43A+
39
Facility 39
MO AVG 46
Rank #326 / 545
Malik St Louis LLC---26A484
Creve Coeur Manor ★ ☆ ☆ ☆ ☆
NH
St. Louis
149
Facility 149
MO AVG 96
Rank #54 / 450
52.2%
Facility 52.2%
MO AVG 66.5
Rank #321 / 407
-22%
2.29
Facility 2.29
MO AVG 3.74
Rank #246 / 268
 ★ ☆ ☆ ☆ ☆ ★ ☆ ☆ ☆ ☆ ★ ★ ★ ☆ ☆ -34%-39%
$9.4k
Facility $9.4k
MO AVG $76.9k
Rank #163 / 276
67
Facility 67
MO AVG 36.5
Rank #253 / 274
8.4
Facility 8.4
MO AVG 5.7
Rank #247 / 274
278-
30
Facility 30
MO AVG 46
Rank #384 / 545
Jeanne Dirschuweit
$5.5MFiscal year ending 12/2023
Facility $5.5MFiscal year ending 12/2023
MO AVG $7.4M
Rank #131 / 251
$4.0MFiscal year ending 12/2023
Facility $4.0MFiscal year ending 12/2023
MO AVG $3.9M
Rank #83 / 251
72.5%Fiscal year ending 12/2023
Facility 72.5%Fiscal year ending 12/2023
MO AVG 54.9%
Rank #16 / 251
265720
Nursing Home Explorer

Financial Assistance for
Nursing Home in Missouri

Cottages of Lake St. Louis is located in Lake St Louis, Missouri.
Here are the financial assistance programs available to residents in Missouri.

Get Financial aid guidance

Aged and Disabled Waiver

Missouri Medicaid A&D Waiver

Age 65+ or disabled
General Missouri 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).
MO

Rural access prioritized.

Benefits
Personal care (5-7 hours/day) Respite (240 hours/year) Adult day care (~$65/day) Home health services

Missouri Supplemental Nursing Care (SNC)

MO SNC

Age 65+
General Missouri resident, in approved facility.
Income Limits ~$1,215/month individual
Asset Limits $2,000 individual
MO

Supplements SSI; facility-based only.

Benefits
Monthly cash payment (~$156-$292/month) for care costs

Structured Family Caregiving Waiver (SFCW)

Missouri Structured Family Caregiving Waiver

Age 65+
General Missouri resident, MO HealthNet-eligible, NFLOC, dementia diagnosis, live with caregiver.
Income Limits (2025) ~$2,901/month (300% FBR, individual); QIT required.
Asset Limits $5,909.25 (individual), $11,818.45 (couple).
MO

Caregiver must be family; small program size.

Benefits
Cash stipend ($1,000-$1,500/month) to family caregiver Respite Training Supplies ($500/year)

MO HealthNet Aged, Blind, and Disabled (ABD)

Missouri MO HealthNet ABD

Age 65+ or disabled
General Missouri resident, MO HealthNet-eligible, needs help with 1+ ADL.
Income Limits (2025) ~$1,690/month (individual, projected); spenddown allowed.
Asset Limits $5,909.25 (individual), $11,818.45 (couple).
MO

Less intensive than waivers; statewide access.

Benefits
Personal care (2-4 hours/day) Homemaker services Limited respite Medical equipment

Medicare Savings Program (MSP)

Missouri Medicare Savings Program

Age 65+ or disabled
General Missouri 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).
MO

Three tiers; no waitlist; includes Extra Help for Part D.

Benefits
Covers Part B premiums ($174.70/month) Deductibles ($240/year) Copays (~20%)

Missouri Caregiver Program (Customized Caregiver Training & Relief)

Missouri Caregiver Program

Age —
General Caregivers of 60+ with dementia, Missouri resident, functional needs (2+ ADLs).
Income Limits (2025) No strict cap; prioritizes low-income ~$24,980/year individual
Asset Limits Not assessed; need-based.
MO

Administered via AAAs and Alzheimer’s Association; rural focus.

Benefits
Respite (4-6 hours/week) Training Assistive tech ($500/year) Supplies

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

Missouri VA Aid and Attendance/Housebound

Age 65+ or disabled veteran/spouse
General Missouri 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
MO

High veteran demand in rural/urban 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 Cottages of Lake St. Louis

What neighborhood is Cottages of Lake St. Louis in?

Cottages of Lake St. Louis is in the Lake Saint Louis neighborhood of Lake St Louis.

Who is the owner of Cottages of Lake St. Louis?

Cottages of Lake St. Louis is legally operated by Fsc Of Lake St Louis, LLC, and administered by Brandi Smith.

Is Cottages of Lake St. Louis in a walkable area?

Cottages of Lake St. Louis has a walk score of 13. Car-dependent. Most errands require a car, with limited nearby walkable options.

What is the occupancy rate at Cottages of Lake St. Louis?

Cottages of Lake St. Louis's occupancy is 82%.

How long has Cottages of Lake St. Louis been in business?

Cottages of Lake St. Louis has been operating for approximately 11 years, based on available licensing and registration records.

Are pets allowed at Cottages of Lake St. Louis?

No, Cottages of Lake St. Louis has a no-pet policy.

Does Cottages of Lake St. Louis operate as a for-profit or non-profit?

Cottages of Lake St. Louis is registered as a for-profit in MO.

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