Charles William Frederick Taylor was born at 30 Great Barlow Street in Marylebone, Middlesex, England on 27 April 1871, later being baptised on 9 July that same year Marylebone.
He was the eldest child of Charles Taylor (b. 1849), a bricklayer, and Emma Eliza Brown (b. 1852), both natives of Middlesex who were married just one year before his birth. He had two known siblings: Emma Rosa (b. 1872) and Albert Henry (b. 1875). When the family appeared on the 1881 census they were residents of 13 Grafton Street, St Pancras, Middlesex but Charles was not listed with them and his whereabouts then is unknown. Other details about Charles' early life remain vague.
He was married in Blean, Kent in late 1904 to a lady named Florence, née Taylor (b. 1881), a native of Essex. The couple had three children: William (b. 1908), Florence Hilda (b. 1909) and Lillian A. (b. 1910). Census records indicate that the family had spent time living in Portsmouth and Whitstable in Kent before settling in Southampton. Although Charles is absent from the 1911 census his wife and children are shown as residing at 85 Castle House in High Street, Southampton.
When signed on to the Titanic on 6 April 1912, Smith gave his address as 85 High Street, Southampton. He had previously served on the Somali and his wages were £5 per month.
Charles Taylor died in the sinking. His body, if recovered, was never identified.
What became of his surviving family is largely unknown but they are believed to have remained in Southampton. His daughter Florence was married to Alan Edward Carver (1897-1978) in 1930, having several children before remarrying in 1952 to William J. Stokes. She died in 2004 in New Forest, Hampshire aged 95.