Charlotte sits on the windward, Atlantic-facing side of Saint Vincent, where the coastline around Georgetown catches open-ocean swell and the steady easterly trade winds that shape this side of the island. This is the exposed edge of Saint Vincent, more rugged than the sheltered Caribbean coast to the west, so surfing in Charlotte is driven mainly by what the Atlantic sends in rather than by protected bays.
The surf here is concentrated around Georgetown, the parish's main town on the northeast shore, where a couple of known breaks sit along an open beach-and-rivermouth stretch. Notable spots include Georgetown Playing Field and Georgetown River mouth. A rivermouth setup like Georgetown River mouth can change with sand movement, so the shape of the bank often matters as much as the swell on any given day.
Because the coast faces the Atlantic, it picks up swell from the eastern side of the compass through much of the year. The trade-off is the wind: easterly trades tend to blow onshore here, so the cleanest conditions usually come early in the morning before the breeze fills in, or on lighter-wind days when the surface has time to settle. It is worth weighing swell size and direction against how much east is in the forecast wind before committing to a session.
Charlotte is a compact corner of the coast rather than a marquee destination, with its surf clustered near Georgetown. It rewards surfers who are comfortable reading an exposed Atlantic shoreline and timing their sessions around wind and tide. For anyone exploring the windward side of Saint Vincent, the Georgetown area is the natural place to start and gives a good feel for how the region's beaches and rivermouth handle open-ocean swell.

