Cottages of Lake St. Louis
Cottages of Lake St. Louis is a Nursing Home in Missouri
Cottages of Lake St.… is a Nursing Home in Missouri
Cottages of Lake St. Louis
Cottages of Lake St. Louis is a Nursing Home in Missouri
Cottages of Lake St.… is a Nursing Home in Missouri
Overview of Cottages of Lake St. Louis
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.
Home Information
COTTAGES OF LAKE ST LOUIS
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This nursing home maintains occupancy well above most state peers, signaling sustained demand. The property runs a smaller bed inventory than most peers, focusing on a more intimate census. Residents generally stay for shorter periods than state peers, pointing to quicker turnover.
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Home revenue ranks in the upper tier statewide, reflecting strong billing volume. Payroll spending sits in the top tier, showing a strong investment in staffing resources. Total income exceeds the majority of state facilities, highlighting strong profitability.
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Medicare nights lag behind other facilities, revealing limited Medicare demand. Medicaid nights sit above most state facilities, underscoring deep Title XIX coverage. Private pay nights lead the state, showing strong demand from market-rate residents.
OccupancyBeds
60
Occupancy
92.0%
Total Bed Days Available
21900
Avg. Length of Stay
65 days
Avg. Residents per Day
56
FinanceHome Revenue
$8,346,182.00
Payroll Costs
$4,073,444.00
Profit
$547,890.00
Total Home Costs
$8,413,712.00
Payroll % of Revenue
Percentage of home revenue spent on payroll costs.
Percentage of home revenue spent on payroll costs.
48.8%
House Specifics:CCN
265860
Owner Name
COTTAGES MASTER LLC
Rural vs. Urban
Urban
County
St. Charles
Type of Control
Voluntary Nonprofit — Church
OperationsTotal Admissions
358
Total Discharges
302
% Medicare Admissions
34%
% Private Pay Admissions
66%
% Medicare Discharges
35%
% Private Pay Discharges
65%
Quality Ratings
Overall Rating
CMS 5-star rating based on health inspections, staffing, and quality measures.
CMS 5-star rating based on health inspections, staffing, and quality measures.
4 / 5
Health Inspection Rating
Rating based on deficiencies found during state health inspections.
Rating based on deficiencies found during state health inspections.
4 / 5
Staffing Rating
Rating based on nurse staffing hours per resident per day.
Rating based on nurse staffing hours per resident per day.
4 / 5
QM Rating
Quality Measures rating based on clinical outcomes for residents.
Quality Measures rating based on clinical outcomes for residents.
2 / 5
Nurse Hours / Resident / Day
Total nurse staffing hours per resident per day.
Total nurse staffing hours per resident per day.
6.04 hrs
Number of Fines
1
Medicaid, Medicare & Private
Medicare Nights
Number of resident nights paid by Medicare for short-term or rehab care.
Number of resident nights paid by Medicare for short-term or rehab care.
3057
Medicaid Nights
Resident nights covered by Medicaid for long-term care or support services.
Resident nights covered by Medicaid for long-term care or support services.
3057
Free Market Nights
Nights paid privately by residents or families, without Medicare/Medicaid coverage.
Nights paid privately by residents or families, without Medicare/Medicaid coverage.
16525
60-bed community
A moderately sized community that may balance personal attention with shared amenities and social activities.
10 years in operation
A community with a solid operating history and experience delivering ongoing care.
Walk Score: 13 / 100
Car-dependent. Most errands require a car, with limited nearby walkable options.
BBB Rating: A+ (Not Accredited)
An independent rating from the Better Business Bureau based on factors such as complaint history, transparency, and business practices.
How BBB ratings work
How BBB ratings work
About this community
Facility Type
SNF
Additional licensing details
CMS Certification Number:
265860
County:
SAINT CHARLES
Ownership & operating entity
Cottages of Lake St. Louis is legally operated by FSC OF LAKE ST LOUIS LLC, and administrated by SMITH.
Corporate entity:
FSC OF LAKE ST LOUIS LLC
What does this home offer?
Total Residents: 60
Housing Options: Private Rooms
Building Type: Single-story
Total Residents
Transportation Services
Fitness and Recreation
Types of Care at Cottages of Lake St. Louis
Skilled Nursing
Nursing Home
Type of Rooms Available
1 / 4
Private Rooms
Access & Eligibility
Ways to qualify for care at this community, including accepted programs and payment options.
Medicare Accepted
This facility is certified for eligible Medicare services.
Planning a tour? Check our touring checklist.
Thinking of living here? We can help you speak to a current resident
Looking for a job? Apply for Open Positions at Cottages of Lake St. Louis
Thinking about senior living? Use our bidding system to get competitive quotes from the best homes in your area.
Touring Checklist for Senior Living
Touring a community? Use this expert-backed checklist to stay organized, ask the right questions, and find the perfect fit.
Location
Community Spaces and Overall Environment
Services
Staffing
Accommodations
Finances
Other Notes
0/250
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Cottages of Lake St. Louis Virtual Tour
Get to know the community with a high-definition video tour
Places of interest near Cottages of Lake St. Louis
1.3 miles from city center
2885 Technology Dr, Lake St Louis, MO 63367
Calculate Travel Distance to Cottages of Lake St. Louis
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Staffing Data
Source: CMS Payroll-Based Journal (Q2 2025)
161
Total Staff
134
Employees
27
Contractors
34,483
Total Hours (Quarter)
52
Avg Staff/Day
7.3
Avg Shift (hrs)
Nursing Staff Breakdown
| Role ⓘ | Count ⓘ | Avg Shift (hrs) ⓘ | Uses Contractors? ⓘ |
|---|---|---|---|
| Registered Nurse | 6 | 9.7 | No |
| Licensed Practical Nurse | 20 | 9.4 | No |
| Certified Nursing Assistant | 98 | 7 | No |
Staff by Category
Administration ⓘ
2 staff
6.3hs shift avg
Nursing Staff ⓘ
126 staff
7.6hs shift avg
Physicians & Practitioners ⓘ
3 staff
7.7hs shift avg
Therapy Services ⓘ
24 staff
5.4hs shift avg
Activities & Recreation ⓘ
0 staff
0hs shift avg
Social Services ⓘ
2 staff
6.9hs shift avg
Dietary Services ⓘ
3 staff
6.2hs shift avg
Other Services ⓘ
1 staff
8hs shift avg
Contractor Analysis
9%
of total hours from contractors
3,114 contractor hours this quarter
Physical Therapy Aide: 5
Speech Language Pathologist: 6
Respiratory Therapy Technician: 5
Physical Therapy Assistant: 6
Qualified Social Worker: 2
Medical Director: 1
Occupational Therapy Assistant: 1
Occupational Therapy Aide: 1
| Role ⓘ | Employees ⓘ | Contractors ⓘ | Total Staff ⓘ | Total Hours ⓘ | Days Worked ⓘ | % of Days ⓘ | Avg Shift (hrs) ⓘ |
|---|---|---|---|---|---|---|---|
| Certified Nursing Assistant | 98 | 0 | 98 | 19,135 | 91 | 100% | 7 |
| Licensed Practical Nurse | 20 | 0 | 20 | 6,176 | 91 | 100% | 9.4 |
| Registered Nurse | 6 | 0 | 6 | 2,245 | 91 | 100% | 9.7 |
| Physical Therapy Aide | 0 | 5 | 5 | 1,276 | 84 | 92% | 6.5 |
| RN Director of Nursing | 2 | 0 | 2 | 963 | 65 | 71% | 7.9 |
| Speech Language Pathologist | 0 | 6 | 6 | 748 | 74 | 81% | 5.8 |
| Clinical Nurse Specialist | 2 | 0 | 2 | 695 | 66 | 73% | 7.6 |
| Nurse Practitioner | 1 | 0 | 1 | 513 | 65 | 71% | 7.9 |
| Mental Health Service Worker | 1 | 0 | 1 | 480 | 60 | 66% | 8 |
| Dietitian | 1 | 0 | 1 | 440 | 55 | 60% | 8 |
| Administrator | 1 | 0 | 1 | 432 | 54 | 59% | 8 |
| Qualified Social Worker | 0 | 2 | 2 | 413 | 60 | 66% | 6.9 |
| Physical Therapy Assistant | 0 | 6 | 6 | 327 | 77 | 85% | 4 |
| Other Dietary Services Staff | 2 | 0 | 2 | 292 | 61 | 67% | 4.7 |
| Respiratory Therapy Technician | 0 | 5 | 5 | 162 | 58 | 64% | 2.5 |
| Occupational Therapy Aide | 0 | 1 | 1 | 122 | 17 | 19% | 7.1 |
| Occupational Therapy Assistant | 0 | 1 | 1 | 35 | 6 | 7% | 5.8 |
| Medical Director | 0 | 1 | 1 | 31 | 19 | 21% | 1.6 |
Health Inspection History
Source: CMS Health Citations (Oct 2018 – Jul 2025)
4
Inspections
11
Total Citations
1
Critical (J-L)
1
Serious (G-I)
2.75
Citations/Inspection
Jul 2025
Last Inspection
Citation Severity Distribution
What do these levels mean?
Top Deficiency Categories
Quality of Life & Care
3
27% of total
Resident Rights
2
18% of total
Abuse, Neglect & Exploitation
1
9% of total
Citation Sources
Standard Inspections
10
Complaint Investigations
3
State Comparison (MO)
Avg Citations (State)
36.5
This Facility: 11
Avg Critical (State)
0.7
This Facility: 1
Recent Citations (Last 3 Years)
| Date | Severity ? | Category | Tag | Status |
|---|---|---|---|---|
| Jul 24, 2025 | D | Resident Rights | F0550 | Corrected |
| Oct 12, 2023 | F | Nutrition | F0812 | Corrected |
| Oct 12, 2023 | G | Quality of Care | F0686 | Corrected |
| Dec 13, 2019 | F | Nutrition | F0812 | Corrected |
| Oct 30, 2018 | E | Abuse/Neglect | F0606 | Corrected |
| Oct 30, 2018 | E | Nursing Services | F0725 | Corrected |
| Oct 30, 2018 | F | Nutrition | F0812 | Corrected |
| Oct 30, 2018 | E | Quality of Care | F0679 | Corrected |
| Oct 30, 2018 | J | Quality of Care | F0689 | Corrected |
| Oct 30, 2018 | D | Care Planning | F0661 | Corrected |
| Oct 30, 2018 | E | Resident Rights | F0565 | Corrected |
Facility Characteristics
Source: CMS Long-Term Care Facility Characteristics (Data as of Jan 2026)
Ownership: For-Profit Corporation
Resident Census by Payment Source
49
Total Residents
Medicare
14
(28.6%)
ⓘ
Private Pay/Other
35
(71.4%)
ⓘ
Specialized Care Beds
15
Total Specialty Beds
25%
of Bed Capacity
13
Alzheimer's / Dementia Beds ⓘ
21.7%
1
Hospice Beds ⓘ
1.7%
1
Huntington's Disease Beds ⓘ
1.7%
Programs & Services
Residents' Group
ⓘ
Family Engagement
Active councils help families stay involved in care decisions and facility operations.
Active
Resident Council
ⓘ
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
14.8
Score
35% worse than avg
State avg: 10.9
Composite score based on pressure ulcers, falls with injury, weight loss, walking ability decline, and ADL decline
Functional Decline
25.4
Score
30% worse than avg
State avg: 19.5
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
19.1%
Lost Too Much Weight
8.2%
Urinary Tract Infection
10.7%
Depressive Symptoms
6.5%
Falls with Major Injury
8.7%
Pneumococcal Vaccine
96.5%
Antipsychotic Use
15.1%
Walking Ability Worsened
28.3%
Influenza Vaccine
100.0%
High Risk Residents with Pressure Ulcers
9.8%
Low Risk Long-Stay Residents with Bowel/Bladder Incontinence
28.8%
Short-Stay Resident Measures
Measures for residents who stay 100 days or less (typically rehabilitation patients).
Pneumococcal Vaccine
95.4%
43% better than avg
State: 66.6%
Short-Stay Residents Who Received a New Antipsychotic Medication
1.5%
33% better than avg
State: 2.2%
Influenza Vaccine
95.3%
50% better than avg
State: 63.5%
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
$18K
State avg: $73K
76% better than avg
Number of Fines
1
State avg: 2.4
Compared to State Average
Facility: $18K |
State Avg: $73K
Penalty History
Showing all 1 penalties (Oct 2023 - Oct 2023)
Oct 12, 2023
Civil Money Penalty
$18K
Guides for Better Senior Living
From costs to care, explore the most important topics to make informed decisions about your future.
Claim What’s Yours: Financial Aid for Missouri Seniors
Program
State Program Name
Eligibility
Benefits
Aged and Disabled Waiver
Missouri Medicaid A&D Waiver
Official government program page
- General: Age 65+ or disabled, 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 Specifics: Rural access prioritized.
- Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care (~$65/day), home health services.
Missouri Supplemental Nursing Care (SNC)
- General: Age 65+, Missouri resident, in approved facility.
- Income Limits: ~$1,215/month (individual).
- Asset Limits: $2,000 (individual).
- MO Specifics: Supplements SSI; facility-based only.
- Services: Monthly cash payment (~$156-$292/month) for care costs.
Structured Family Caregiving Waiver (SFCW)
Missouri Structured Family Caregiving Waiver
Official government program page
- General: Age 65+, 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 Specifics: Caregiver must be family; small program size.
- Services: 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
Official government program page
- General: Age 65+ or disabled, 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 Specifics: Less intensive than waivers; statewide access.
- Services: Personal care (2-4 hours/day), homemaker services, limited respite, medical equipment.
Medicare Savings Program (MSP)
Missouri Medicare Savings Program
Official government program page
- General: Age 65+ or disabled, 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 Specifics: Three tiers; no waitlist; includes Extra Help for Part D.
- Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).
Missouri Caregiver Program (Customized Caregiver Training & Relief)
Missouri Caregiver Program
Official government program page
- 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 Specifics: Administered via AAAs and Alzheimer’s Association; rural focus.
- Services: Respite (4-6 hours/week), training, assistive tech ($500/year), supplies.
Senior Community Service Employment Program (SCSEP)
Missouri SCSEP
Official government program page
- General: Age 55+, unemployed, low-income, Missouri resident.
- Income Limits (2025): ~$1,983/month (125% FPL).
- Asset Limits: Not specified; income-focused.
- MO Specifics: Priority for veterans, rural residents; AARP partnership.
- Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.
VA Aid and Attendance (A&A) and Housebound Benefits
Missouri VA Aid and Attendance/Housebound
- General: Age 65+ or disabled veteran/spouse, 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 Specifics: High veteran demand in rural/urban 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 Missouri Seniors
Missouri Medicaid A&D Waiver
Aged and Disabled Waiver
Requirements:
- General:Age 65+ or disabled, 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 Specifics:Rural access prioritized.
Benefits without Contact:
- Services: Personal care (5-7 hours/day), respite (240 hours/year), adult day care (~$65/day), home health services.
MO SNC
Missouri Supplemental Nursing Care (SNC)
Requirements:
- General:Age 65+, Missouri resident, in approved facility.
- Income Limits:~$1,215/month (individual).
- Asset Limits:$2,000 (individual).
- MO Specifics:Supplements SSI; facility-based only.
Benefits without Contact:
- Services: Monthly cash payment (~$156-$292/month) for care costs.
Missouri Structured Family Caregiving Waiver
Structured Family Caregiving Waiver (SFCW)
Requirements:
- General:Age 65+, 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 Specifics:Caregiver must be family; small program size.
Benefits without Contact:
- Services: Cash stipend ($1,000-$1,500/month) to family caregiver, respite, training, supplies ($500/year).
Missouri MO HealthNet ABD
MO HealthNet Aged, Blind, and Disabled (ABD)
Requirements:
- General:Age 65+ or disabled, 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 Specifics:Less intensive than waivers; statewide access.
Benefits without Contact:
- Services: Personal care (2-4 hours/day), homemaker services, limited respite, medical equipment.
Missouri Medicare Savings Program
Medicare Savings Program (MSP)
Requirements:
- General:Age 65+ or disabled, 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 Specifics:Three tiers; no waitlist; includes Extra Help for Part D.
Benefits without Contact:
- Services: Covers Part B premiums ($174.70/month), deductibles ($240/year), copays (~20%).
Missouri Caregiver Program
Missouri Caregiver Program (Customized Caregiver Training & Relief)
Requirements:
- 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 Specifics:Administered via AAAs and Alzheimer’s Association; rural focus.
Benefits without Contact:
- Services: Respite (4-6 hours/week), training, assistive tech ($500/year), supplies.
Missouri SCSEP
Senior Community Service Employment Program (SCSEP)
Requirements:
- General:Age 55+, unemployed, low-income, Missouri resident.
- Income Limits (2025):~$1,983/month (125% FPL).
- Asset Limits:Not specified; income-focused.
- MO Specifics:Priority for veterans, rural residents; AARP partnership.
Benefits without Contact:
- Services: Paid training (~20 hours/week at ~$7.25/hour), job placement.
Missouri VA Aid and Attendance/Housebound
VA Aid and Attendance (A&A) and Housebound Benefits
Requirements:
- General:Age 65+ or disabled veteran/spouse, 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 Specifics:High veteran demand in rural/urban 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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