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The Pearl of St Charles

All states › Illinois › St Charles › The Pearl of St Charles

850 Dunham Rd St Charles, IL 60174 · Kane County

(630) 443-4400

Accepts Medicare Accepts Medicaid 109 certified beds For profit

CMS certification number 145980 · See this home on Medicare Care Compare

Ratings come from CMS and are updated monthly; these are from October 2026. Check the latest inspection report and visit in person before you decide.

Is The Pearl of St Charles a good nursing home? Reviews, ratings and inspection record

There are no official resident reviews of nursing homes: Medicare's Care Compare publishes inspections, staffing and quality data instead. Here is what that record shows for The Pearl of St Charles as of October 2026.

CMS rates it 3 out of 5 stars overall, about the same as the Illinois average of 2.6. Inspectors issued 46 citations in the last three years. CMS imposed 3 penalties, including $41,294 in fines, in that time. For short-term rehab patients CMS rates quality 3 out of 5; for long-term residents, 3 out of 5.

Online reviews from families and residents are on Google Maps and other sites; they reflect individual experiences and aren't checked by CMS. The full inspection reports, including what inspectors observed, are on Medicare Care Compare.

Staffing

Nursing staff spend about 3.61 hours per resident per day at The Pearl of St Charles, above the Illinois median of 3.33 (US median: 3.72). About 0.96 of those hours are from registered nurses. On weekends it falls to 3.11 hours, 14% below its all-week average. 74% of nursing staff left within a year (Illinois median 43.5%). High turnover can mean residents see unfamiliar caregivers; ask how long the nurses on the unit have worked there.

Nursing care per resident per day 3.61 hours
Above the Illinois median of 3.33 Registered nurses, licensed practical nurses and aides combined, from payroll records.
Registered nurse hours 0.96 per resident a day RNs handle assessments, medications and changes in condition.
Weekend nursing care 3.11 hours Per resident a day. A big drop from weekdays can mean thin weekend staffing.
Nursing staff turnover 74% a year Share of nursing staff who left over a year. Lower usually means steadier care.
Registered nurse turnover 68.2% a year Share of registered nurses who left over a year.
Administrators who left 0 in the past year Frequent leadership changes are worth asking about on a visit.

About this nursing home

Certified beds109
Residents per day 83 About 76% of beds filled, on average
OwnershipFor profit - Limited Liability company
Payment acceptedMedicare and Medicaid
Certified sinceJune 1999
Part of a chainPearl Healthcare
Legal business namePEARL OF ST. CHARLES, LLC

Paying for care at The Pearl of St Charles: Medicare and Medicaid

The Pearl of St Charles is certified for both Medicare and Medicaid. Medicare Part A can cover a short skilled-nursing or rehab stay here after a qualifying hospital stay of at least three inpatient days (observation days don't count), for up to 100 days per benefit period. Medicaid can pay for long-term care for residents who meet Illinois's income and asset rules. Being certified doesn't guarantee a Medicaid bed is open, so ask whether the home accepts residents whose Medicaid application is still pending.

In 2026 Medicare covers days 1–20 in full after the Part A deductible ($1,736 per benefit period); for days 21–100 you pay $217 a day; after day 100 you pay all costs. Medicare doesn't pay for long-term custodial care. Medicare's coverage rules.

Health inspections

The most recent standard inspection was on July 30, 2026 and found 5 deficiencies, plus 2 from complaint inspections in the same period. In total, inspectors issued 46 citations in the last three years.

Each citation has a scope and severity letter from A to L. A–C: potential for minimal harm. D–F: potential for more than minimal harm. G–I: actual harm. J–L: immediate jeopardy to resident health or safety.

What the inspections found

Over the last three years, inspectors issued 46 citations at The Pearl of St Charles across 13 inspection dates, 18 of them from complaint investigations. 1 was at the immediate-jeopardy level (J–L), CMS's most serious category, most recently on August 28, 2024 (complaint inspection). The most common areas cited were quality of life and care (21) and resident rights (9). The most serious was cited under the CMS rule to "prepare residents for a safe transfer or discharge from the nursing home" (tag F0624, level J, August 28, 2024). 1 citation was under CMS's abuse, neglect and exploitation rules.

July 30, 2026 · 5 citations

EMake sure that the nursing home area is safe, easy to use, clean and comfortable for residents, staff and the public.

Potential for more than minimal harm · Environmental Deficiencies · Tag F0921 · Deficient, Provider has date of correction (Aug 14, 2026)

DHonor the resident's right to a dignified existence, self-determination, communication, and to exercise his or her rights.

Potential for more than minimal harm · Resident Rights Deficiencies · Tag F0550 · Deficient, Provider has date of correction (Aug 3, 2026)

DProvide care and assistance to perform activities of daily living for any resident who is unable.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0677 · Deficient, Provider has date of correction (Jul 31, 2026)

DEnsure that a nursing home area is free from accident hazards and provides adequate supervision to prevent accidents.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0689 · Deficient, Provider has date of correction (Aug 1, 2026)

CPost nurse staffing information every day.

Potential for minimal harm · Nursing and Physician Services Deficiencies · Tag F0732 · Deficient, Provider has date of correction (Jul 31, 2026)

January 29, 2026 · 1 citation · includes complaint inspection

DProvide appropriate foot care.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0687 · Complaint inspection · Deficient, Provider has date of correction (Jan 30, 2026)

January 8, 2026 · 1 citation · includes complaint inspection

DEnsure that residents are free from significant medication errors.

Potential for more than minimal harm · Pharmacy Service Deficiencies · Tag F0760 · Complaint inspection · Deficient, Provider has date of correction (Jan 12, 2026)

February 27, 2025 · 12 citations

FProcure food from sources approved or considered satisfactory and store, prepare, distribute and serve food in accordance with professional standards.

Potential for more than minimal harm · Nutrition and Dietary Deficiencies · Tag F0812 · Deficient, Provider has date of correction (Mar 14, 2025)

EHonor the resident's right to a safe, clean, comfortable and homelike environment, including but not limited to receiving treatment and supports for daily living safely.

Potential for more than minimal harm · Resident Rights Deficiencies · Tag F0584 · Deficient, Provider has date of correction (Mar 14, 2025)

EProvide care and assistance to perform activities of daily living for any resident who is unable.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0677 · Deficient, Provider has date of correction (Mar 14, 2025)

EEnsure each resident receives and the facility provides food that accommodates resident allergies, intolerances, and preferences, as well as appealing options.

Potential for more than minimal harm · Nutrition and Dietary Deficiencies · Tag F0806 · Deficient, Provider has date of correction (Mar 14, 2025)

EEnsure therapeutic diets are prescribed by the attending physician and may be delegated to a registered or licensed dietitian, to the extent allowed by State law.

Potential for more than minimal harm · Nutrition and Dietary Deficiencies · Tag F0808 · Deficient, Provider has date of correction (Mar 14, 2025)

EProvide and implement an infection prevention and control program.

Potential for more than minimal harm · Infection Control Deficiencies · Tag F0880 · Deficient, Provider has date of correction (Mar 27, 2025)

EDevelop and implement policies and procedures for flu and pneumonia vaccinations.

Potential for more than minimal harm · Infection Control Deficiencies · Tag F0883 · Deficient, Provider has date of correction (Mar 27, 2025)

EEducate residents and staff on COVID-19 vaccination, offer the COVID-19 vaccine to eligible residents and staff after education, and properly document each resident and staff member's vaccination status.

Potential for more than minimal harm · Infection Control Deficiencies · Tag F0887 · Deficient, Provider has date of correction (Mar 27, 2025)

DHonor the resident's right to be treated with respect and dignity and to retain and use personal possessions.

Potential for more than minimal harm · Resident Rights Deficiencies · Tag F0557 · Deficient, Provider has date of correction (Mar 14, 2025)

DProvide appropriate care for residents who are continent or incontinent of bowel/bladder, appropriate catheter care, and appropriate care to prevent urinary tract infections.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0690 · Deficient, Provider has date of correction (Mar 14, 2025)

DProvide for the safe, appropriate administration of IV fluids for a resident when needed.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0694 · Deficient, Provider has date of correction (Mar 21, 2025)

DProvide safe and appropriate respiratory care for a resident when needed.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0695 · Deficient, Provider has date of correction (Mar 14, 2025)

February 20, 2025 · 2 citations · includes complaint inspection

DLet each resident or the resident's legal representative access or purchase copies of all the resident's records.

Potential for more than minimal harm · Resident Rights Deficiencies · Tag F0573 · Complaint inspection · Deficient, Provider has date of correction (Mar 5, 2025)

DProvide appropriate treatment and care according to orders, resident’s preferences and goals.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0684 · Complaint inspection · Deficient, Provider has date of correction (Feb 25, 2025)

December 13, 2024 · 1 citation, includes actual harm · includes complaint inspection

GEnsure that a nursing home area is free from accident hazards and provides adequate supervision to prevent accidents.

Actual harm · Quality of Life and Care Deficiencies · Tag F0689 · Complaint inspection · Deficient, Provider has date of correction (Dec 28, 2024)

November 1, 2024 · 1 citation · includes complaint inspection

DProtect each resident from all types of abuse such as physical, mental, sexual abuse, physical punishment, and neglect by anybody.

Potential for more than minimal harm · Freedom from Abuse, Neglect, and Exploitation Deficiencies · Tag F0600 · Complaint inspection · Deficient, Provider has date of correction (Nov 8, 2024)

August 28, 2024 · 1 citation, includes immediate jeopardy · includes complaint inspection

JPrepare residents for a safe transfer or discharge from the nursing home.

Immediate jeopardy · Resident Rights Deficiencies · Tag F0624 · Complaint inspection · Deficient, Provider has date of correction (Sep 12, 2024)

August 9, 2024 · 1 citation · includes complaint inspection

EEnsure that residents are free from significant medication errors.

Potential for more than minimal harm · Pharmacy Service Deficiencies · Tag F0760 · Complaint inspection · Deficient, Provider has date of correction (Aug 21, 2024)

April 25, 2024 · 4 citations · includes complaint inspection

DHonor the resident's right to a dignified existence, self-determination, communication, and to exercise his or her rights.

Potential for more than minimal harm · Resident Rights Deficiencies · Tag F0550 · Complaint inspection · Deficient, Provider has date of correction (Apr 30, 2024)

DImmediately tell the resident, the resident's doctor, and a family member of situations (injury/decline/room, etc.) that affect the resident.

Potential for more than minimal harm · Resident Rights Deficiencies · Tag F0580 · Complaint inspection · Deficient, Provider has date of correction (Apr 30, 2024)

DProvide care and assistance to perform activities of daily living for any resident who is unable.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0677 · Complaint inspection · Deficient, Provider has date of correction (Apr 30, 2024)

DEnsure that a nursing home area is free from accident hazards and provides adequate supervision to prevent accidents.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0689 · Complaint inspection · Deficient, Provider has date of correction (Apr 30, 2024)

March 14, 2024 · 11 citations

FProcure food from sources approved or considered satisfactory and store, prepare, distribute and serve food in accordance with professional standards.

Potential for more than minimal harm · Nutrition and Dietary Deficiencies · Tag F0812 · Deficient, Provider has date of correction (Apr 1, 2024)

DHonor the resident's right to request, refuse, and/or discontinue treatment, to participate in or refuse to participate in experimental research, and to formulate an advance directive.

Potential for more than minimal harm · Resident Rights Deficiencies · Tag F0578 · Deficient, Provider has date of correction (Apr 4, 2024)

DProvide care and assistance to perform activities of daily living for any resident who is unable.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0677 · Deficient, Provider has date of correction (Apr 4, 2024)

DProvide appropriate treatment and care according to orders, resident’s preferences and goals.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0684 · Deficient, Provider has date of correction (Apr 4, 2024)

DEnsure that a nursing home area is free from accident hazards and provides adequate supervision to prevent accidents.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0689 · Deficient, Provider has date of correction (Apr 4, 2024)

DProvide appropriate care for residents who are continent or incontinent of bowel/bladder, appropriate catheter care, and appropriate care to prevent urinary tract infections.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0690 · Deficient, Provider has date of correction (Apr 1, 2024)

DEnsure that feeding tubes are not used unless there is a medical reason and the resident agrees; and provide appropriate care for a resident with a feeding tube.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0693 · Deficient, Provider has date of correction (Apr 1, 2024)

DProvide safe and appropriate respiratory care for a resident when needed.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0695 · Deficient, Provider has date of correction (Apr 4, 2024)

DImplement gradual dose reductions(GDR) and non-pharmacological interventions, unless contraindicated, prior to initiating or instead of continuing psychotropic medication; and PRN orders for psychotropic medications are only used when the medication is necessary and PRN use is limited.

Potential for more than minimal harm · Pharmacy Service Deficiencies · Tag F0758 · Deficient, Provider has date of correction (Apr 1, 2024)

DProvide or get specialized rehabilitative services as required for a resident.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0825 · Deficient, Provider has date of correction (Apr 4, 2024)

DProvide and implement an infection prevention and control program.

Potential for more than minimal harm · Infection Control Deficiencies · Tag F0880 · Deficient, Provider has date of correction (Apr 4, 2024)

February 26, 2024 · 4 citations · includes complaint inspection

FProvide enough nursing staff every day to meet the needs of every resident; and have a licensed nurse in charge on each shift.

Potential for more than minimal harm · Nursing and Physician Services Deficiencies · Tag F0725 · Complaint inspection · Deficient, Provider has date of correction (Mar 11, 2024)

DHonor the resident's right to a dignified existence, self-determination, communication, and to exercise his or her rights.

Potential for more than minimal harm · Resident Rights Deficiencies · Tag F0550 · Complaint inspection · Deficient, Provider has date of correction (Mar 11, 2024)

DProvide appropriate treatment and care according to orders, resident’s preferences and goals.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0684 · Complaint inspection · Deficient, Provider has date of correction (Apr 4, 2024)

DProvide medically-related social services to help each resident achieve the highest possible quality of life.

Potential for more than minimal harm · Quality of Life and Care Deficiencies · Tag F0745 · Complaint inspection · Deficient, Provider has date of correction (Mar 20, 2024)

November 1, 2023 · 2 citations, includes actual harm · includes complaint inspection

GProvide safe, appropriate pain management for a resident who requires such services.

Actual harm · Quality of Life and Care Deficiencies · Tag F0697 · Complaint inspection · Deficient, Provider has date of correction (Nov 14, 2023)

GProvide pharmaceutical services to meet the needs of each resident and employ or obtain the services of a licensed pharmacist.

Actual harm · Pharmacy Service Deficiencies · Tag F0755 · Complaint inspection · Deficient, Provider has date of correction (Nov 14, 2023)

Questions to ask on a tour of The Pearl of St Charles

  1. Inspectors cited the home at the immediate-jeopardy level on August 28, 2024 under the rule on resident rights. What changed afterwards, and can I see the plan of correction?
  2. CMS cited the home under its abuse and neglect rules on November 1, 2024. How are staff trained, and how are concerns reported?
  3. CMS rates staffing 2 out of 5. How many residents does each nurse aide care for on day, evening and night shifts?
  4. Nursing staff turnover was 74% a year. How many of the staff come from agencies?
  5. Do you have a Medicaid bed open now, and will you admit someone whose Medicaid application is still pending?
  6. When is the first care-plan meeting, and can family attend?

Questions come from this home's CMS data: its inspections, staffing and ownership record.

Fines and payment denials

3 penalties in the last three years, including $41,294 in fines.

DateTypeAmount or length
Dec 13, 2024 Fine $10,269
Aug 28, 2024 Fine $17,102
Nov 1, 2023 Fine $13,923

Rating history

CMS monthOverallInspectionStaffingQuality
October 2026 3/5 3/5 2/5 3/5
August 2026 1/5 2/5 1/5 3/5
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Location

Hospitals near The Pearl of St Charles

The Medicare-certified hospitals closest to this nursing home, with their CMS data. Ask the home which hospital it usually sends residents to.

Hospital ratings, ER visit times and more at Hospitals In Each State
Source: CMS Care Compare. Distances are approximate.

Nearby nursing homes

Alpine Care of St. Charles Saint Charles · 1.2 mi away ★★☆☆☆ Inspection 2/5 · Staffing 2/5 120 beds · Medicaid
Bria of Geneva Geneva · 2.7 mi away ★★☆☆☆ Inspection 3/5 · Staffing 1/5 107 beds · Medicaid
Greenfields of Geneva Geneva · 3.0 mi away ★★★★★ Inspection 5/5 · Staffing 4/5 43 beds · Medicaid
Batavia Rehabilitation and Health Care Center Batavia · 4.7 mi away ★★★★☆ Inspection 3/5 · Staffing 2/5 63 beds · Medicaid
Michaelsen Health Center Batavia · 4.7 mi away ★★★★★ Inspection 4/5 · Staffing 5/5 99 beds · Medicaid

More nursing homes near The Pearl of St Charles ›   All nursing homes in St Charles ›

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Other Pearl Healthcare nursing homes in Illinois

Affiliation comes from CMS's affiliated-entity data, October 2026. All 15 Pearl Healthcare nursing homes ›

Source: CMS Provider Data Catalog (provider information, health deficiencies, penalties), October 2026. Inspection citations and penalties cover the last three years. Nursing Homes In Each State is independent and not affiliated with CMS or Medicare. About the data · Report a problem with this listing. Is this your nursing home? Feature it here.

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https://www.nursinghomesineachstate.com/illinois/st-charles/the-pearl-of-st-charles/ · Data: CMS, October 2026 · Nursing Homes In Each State, not affiliated with CMS or Medicare.