The teen suffered life-threatening injuries to her upper body and died soon after she was pulled from the water, Queensland Ambulance said.
Her family said she was a gifted musician, playing the trumpet, guitar, ukulele, and piano while also pursuing her passion for the ocean.
Charlize became a nipper at just eight, before becoming the vice-captain of her lifesaving patrol and competing in the Inflatable Rescue Boat world championships last year.
“She loved four-wheel-driving up the beach and anyone who went with her knew they would have to stop and pick up every piece of rubbish she saw along the way,” her family said.
“Please focus on the incredible life she lived and not the awful way she died.”
Surf Life Saving Queensland said it was an unthinkable tragedy to lose one of its own members.
“She and her family have been a cherished part of the surf lifesaving community for a long time and our hearts are broken,” it said in a statement.
It said surf lifesaving was built on family and a community that would come together to grieve and support each other.
Queensland Premier David Crisafulli added to the tributes.
“To think that a young girl doing what she loves, could have her life taken away, is really, really troubling,” he told reporters on Tuesday.
“We are incredibly sorry to that family, and we are incredibly sad for their loss.”
A vigil will be held for Charlize at Woorim Beach from 6 p.m. AEST on Tuesday.
A report is being prepared for the coroner.
The most recent attack in Queensland killed youth pastor Luke Walford.