Charlotte grew up and attended school in Maryville. She married Ray LeRoy Miller, Sr. on Jan. 30, 1960. They were blessed with three children, Joyce, Rhonda, and Ray, Jr. The family lived in Des Moines, Iowa as Ray worked all over the state of Iowa as an exterior home contractor installing siding and windows. They later lived in Florida from 1982, until 1994, before returning to Iowa, settling in Chariton. Charlotte enjoyed gardening and growing flowers.