Seabrook Island's Charlotte Overton Moran is the 2021 recipient of the Exchange Club of Kiawah-Seabrook Angel Oak Award

"It comes with retirement. You decide to retire, and you think it's golf every day and then you have to figure out with what you're going to do with your life." That's how Charlotte Overton Moran described her path to becoming the 2021 Exchange Club of Kiawah-Seabrook Honoree.

Prior to retirement, Ms. Moran had a successful 33 year career with Citibank in a number of roles focusing on meeting regulatory compliance with all federal and state agencies.

Since retiring and moving to Seabrook Island in 2003, Ms. Moran has become a leader in one of the areas most significant organizations, Sea Islands Habitat for Humanity. Prior to moving to the Low Country, Ms. Moran had done some work with Habitat in New York, so she was attracted to working with them here. She started working with Habitat one day a week, and she has since become one of the organization's leaders, serving her second six year term as a Board Member and Treasurer of the Sea Islands affiliate, as well as leading the Women's Build project each year, chairing the Land Planning committee and working with other builds and repair activities on Johns, James and Wadmalaw islands.

While Habitat is generally known for its construction of homes for people who otherwise would not be able to afford one but are willing to put in sweat equity, Ms. Moran says that Habitat is really four different businesses; a construction company, a retail store, a mortgage company, and a non-profit organization. All of the companies work in concert to deliver a home, and since its founding in 1978, Sea Islands Habitat has built over 400 homes in our community. It's a complex business, the ReStore outlet generates over $ 1 Million in revenue each year, and the mortgage operations currently holds about 216 mortgages. Beyond economics, Habitat works to find qualified homeowners, acquire property, manage construction, and ultimately give a family a new home. Demand is high, there's currently about a one year waiting list for a Habitat home. In addition to building homes, Sea Islands Habitat has a home repair program where individuals can get help repairing roofs and windows and building handicapped access ramps. Over 100 repair projects have been completed to date.

The Women's Build is a pet project for Ms. Moran. Each year twenty-five to thirty women gather for a week to build a Habitat home. While the foundation is in place when they start, the framing and roofing are substantially done by the end of the week. All of the volunteers are trained on site with training ranging from how to use a chop saw to how to wear a hard hat. This year's build is scheduled for April 23-30 and they are still seeking additional volunteers and sponsors.

Information of the project is available at

While incredibly busy with Sea Islands Habitat, Ms. Moran also works with the Charleston Symphony Orchestra League and she's the Chairperson of the Seabrook Island Property Owners Association Elections Committee.

The Angel Oak Award was established by the Exchange Club of Kiawah-Seabrook in 20012 to recognize a volunteer who has made an outstanding contribution to the people or the quality of life on Johns Island, Wadmalaw Island, Kiawah Island and/or Seabrook Island. As a part of the award, the Exchange Club makes a donation of $ 5,000 to a local charitable organization or organizations of the recipient's choice.