Parents were James and Frances Cundiff White "Fannie" Eubank. Her father James died 16 Jan 1824 at Fishing Creek, Pulaski, KY and her mother died in 1829 leaving her and her brother as orphans. John Vaught (relationship unknown) was assigned by Dec. Term Pulaski, KY Court as her guardian.

1820 Somerset, Pulaski, KY
Males - Under 10:1 Allen William Sr. Eubank
Males - 10 thru 15:1 Richard Mayes Eubank
Males - 45 and over:1 James Eubank
Females - Under 10:1 Charlotte Eubank
Females - 10 thru 15:1 Unknown Daughter
Females - 26 thru 44:1 Francis Cundiff "Fanny" White

1830 Pulaski, KY - John Vaught
Males - Under 5:1
Males - 10 thru 14:2
Males - 15 thru 19:1
Males - 40 thru 49:1
Females - Under 5:1
Females - 5 thru 9:2 Charlotte "Lottie" Eubank
Females - 15 thru 19:2
Females - 30 thru 39:1

1840 , Pulaski, KY - John Vaught
Males - 10 thru 14: 1
Males - 20 thru 29: 3
Males - 50 thru 59: 1 John Vaught
Females - Under 5: 1
Females - 10 thru 14: 1
Females - 15 thru 19: 2 Charlotte Eubank
Females - 20 thru 29: 1
Females - 40 thru 49: 1

Charlotte married Jonathan Spencer on 05 Feb 1846 in
, Pulaski, KY. Her guardian John Vaught was Surety.

1850 , Pulaski, KY
Jonathan Spencer 26
Charlotte Spencer 24
James Spencer 3
Robert Spencer 2
William Spencer 0

1860 Willow Branch, Piatt, IL
Jonathan Spencer 35
Charlotte Spencer 37
James Spencer 12
Robin Spencer 12
Wm Spencer 11
L A Spencer 8
J C Spencer 5
M E Spencer 3
Lucy Eubank 38
Erasmus Compton 20

1870 Harp, DeWitt, IL
Jonathon Spencer 46
Charlotte Spencer 49
Robert Spencer 22
William Spencer 19
John C Spencer 15
Lucy A Spencer 18
Mary E Spencer 13
Martha J Spencer 9

1880 Greene, Lawrence, MO
Jonathan Spencer 56
Charlotte Spencer 59
Mary L. Spencer 27
John C. Spencer 25
Martha J. Spencer 19

Charlotte's half siblings from her fathers 1st marriage are;
Richard Mayes Eubank Memorial# 26603056
Allen William Eubank Memorial# 13033744
and an Unknown Sister