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Fred was born in September of 1871 in New Jersey. His father was William Kluge; his mother Amalia Sieberth. Fred worked as a mason.
On June 24, 1899, Fred married Mary Greuter. By 1920, Mary and Fred lived at 737 South 18th Street in Newark, and in 1929 they moved to 431 Clark Avenue in Union Beach, New Jersey.
On March 4, 1957, Fred died at his home in Union Beach. He was 85. He was buried at Cedarwood Cemetery in Hazlet, New Jersey. Mary died a few years later on December 8, 1960 at the age of 82.
She is buried with Fred at Cedarwood Cemetery.