CCN 105574 · Pinellas County, Florida
Palm Garden of Largo
10500 Starkey Rd, Largo, FL 33777
Palm Garden of Largo is a 140-bed for-profit nursing home in Largo, Florida, first certified for Medicare or Medicaid in 1987. CMS rates it 2 out of 5 stars overall in its September 2026 data, and it averaged 135.8 residents a day, about 97% of its certified beds. It has an active FHA-insured Section 232 loan: $8.8 million originally, at 5.96%, with $8.6 million outstanding as of September 30, 2026 and maturity in July 2059.
Facility facts
- Certified beds
- 140
- Average residents per day
- 135.8 (97.0% of beds)
- Ownership type
- For profit - Limited Liability company
- Certification
- Medicare and Medicaid
- Legal business name
- Palm Garden of Largo LLC
- Certified since
- Jul 31, 1987
- Chain or affiliated group
- Palm Garden Health and Rehabilitation (14 facilities, chain average 2.9 stars)
- Location
- Urban
Ratings and staffing
Star ratings run from 1 to 5. Staffing is nurse hours per resident per day from CMS Payroll Based Journal data; turnover is the CMS annual nursing staff turnover rate. Occupancy is CMS's average daily census divided by certified beds.
| Measure | This facility | Florida median | US median |
|---|---|---|---|
| Overall rating | 2 of 5 | State spread: 89 at 1, 143 at 2, 125 at 3, 156 at 4, 178 at 5 | |
| Health inspections | 1 of 5 | ||
| Quality measures | 5 of 5 | ||
| Staffing | 3 of 5 | ||
| Total nurse hours per resident per day | 3.64 | 3.63 | 3.68 |
| RN hours per resident per day | 0.56 | 0.62 | 0.58 |
| Weekend nurse hours per resident per day | 3.32 | ||
| Nursing staff turnover | 54.5% | 41.9% | 44.9% |
| Occupancy (residents / beds) | 97.0% | 92.2% | 85.7% |
| Fines reported by CMS | 2 totaling $66,613 | ||
| Health deficiencies, latest standard survey | 19 (Feb 29, 2024) | ||
HUD 223(f) Express Lane: the CMS part
HUD gives 223(f) applications queue priority when the facility has CMS overall and health inspection ratings of at least 2 stars and no abuse icon, among other tests (ORCF criteria of March 31, 2026). Palm Garden of Largo does not meet it today: health inspection rating 1, the abuse icon. The loan-to-value, coverage and operator tests depend on the deal. All the criteria.
Who owns and operates it
These are the owners and operators the facility reported to CMS: anyone with a 5% or greater direct or indirect stake, and any organization with operational or managerial control.
| Name | Role | Share | Since |
|---|---|---|---|
| Palm Garden Healthcare Holdings, LLCOrganization | Direct Ownership Interest | 50% | 11/01/2013 |
| McCarver, PatsyIndividual | Direct Ownership Interest | 50% | 11/01/2013 |
| James O. McCarver Qtip Business Marital Trust U/a Dated June 22, 2001Organization | Indirect Ownership Interest | 38% | 12/23/2014 |
| James O. McCarver Residuary Trust Share U/a Dated 06/22/2001Organization | Indirect Ownership Interest | 8% | 12/23/2014 |
| Patsy E. McCarver Trust U/a Dated June 22, 2001 As Amended, Patsy EOrganization | Indirect Ownership Interest | 48% | 11/01/2013 |
| Pglar Re, LLCOrganization | Mortgage Interest | n/a | 06/20/2024 |
| Regions BankOrganization | Mortgage Interest | n/a | 11/01/2013 |
| Pglar Re, LLCOrganization | Security Interest | n/a | 06/20/2024 |
| Regions BankOrganization | Security Interest | n/a | 11/01/2013 |
| Fitts, JohnIndividual | Operational / Managerial Control | n/a | 04/07/2025 |
| Korbaj, RabeeIndividual | Operational / Managerial Control | n/a | 08/15/2024 |
Holders of a 5% or greater mortgage interest reported in the enrollment record: Pglar Re, LLC, Regions Bank.
Changes of ownership
No change of ownership for this facility appears in the CMS change-of-ownership file, which starts in January 2016.
HUD Section 232 loans
HUD's Office of Healthcare Programs lists these FHA-insured loans for a project we matched to this facility by name, city and bed count. Status, rate and balance come from HUD's insured-mortgage files as of September 30, 2026. Check the FHA number against the loan documents before relying on the match.
| Endorsed | Program | Original amount | Status | FHA number |
|---|---|---|---|---|
| Jun 20, 2024 | 223(f) refinance or purchaseHUD project name: Palm Garden of Largo, 138 beds. Lender at endorsement: Regions Bank | $8,771,200 | Active: 5.96%, $8,599,210 balanceMatures Jul 1, 2059. Servicer: Berkadia Commercial Mortgage | 06722301 |
Sources and dates
Facility, rating, staffing and ownership data: CMS Provider Information and CMS Ownership, processing date September 2026. Private equity, REIT and mortgage-interest flags and changes of ownership: CMS Skilled Nursing Facility All Owners and Change of Ownership files (2026-10-01). FHA-insured loans: HUD Office of Healthcare Programs endorsement database, data run July 8, 2026. How we join them, and what the join can get wrong: methodology.
SNF Register is independent. It is not affiliated with or endorsed by CMS, HUD or FHA. Spotted an error? Write to hello@hudskillednursing.loan.