Chloe Nicole was born on November 14, 1971 in Thousand Oaks, California. She is of Irish and Italian descent.

She practiced classical ballet from ages six to sixteen and originally aspired to be a professional ballerina, but had to quit at age seventeen due to developing arthritis in her hips. At age eighteen Chloe moved to Riverside, California, where she worked as a dental assistant and as a waitress before becoming a roadie for the rock group Poison. Her boyfriend at the time who had friends in the adult film industry helped her break into porn; she started out in gonzo productions in the mid 1990's. She has commented that during her first porn shoot, she was "on drugs...and didn't care."

She retired from the adult film industry in 2011.