Caroline was the daughter of Joseph John Ketchum and his wife Sophia Elizabeth Parsons. She was baptized at Salt Lake City on 6 November 1850 as "Loisa Katcham;" but she appears in the 1850 Utah census as Caroline Neeley. The 1860 Utah census shows her name as "Caroline Luce." Her mother had married Lewis Neeley Sr. at Council Bluffs Iowa.
FamilySearch shows her death year as 1900, but there are no primary sources which confirm this date.