The daughter of Peter (a financial consultant) and Debbie Ross (a ski instructor), Charlotte was raised in Winnetka, Illinois. Charlotte's first theater performance was at the age of 8 in My First Mouthpiece. As a young woman, she performed in productions at her hometown theater. She attended New Trier High School and later moved to Los Angeles. On October 18, 2003, she married Michael Goldman and has since given birth to one child, Maxwell Ross Goldman. She has one younger brother, George; he is a writer, triathlete and hedge row-analyst in NYC. Charlotte Ross has supported PETA's campaign for "I'd Rather Go Naked Than Wear Fur" by posing naked, exposing her buttocks under the title "I'd Rather Show My Buns Than Wear Fur". In addition to singing and acting, Charlotte is a licensed Tae-Bo instructor.