Sophia was born on March 1, 1986 to parents Aladino and Melinda Nibley, she was the eldest in her family, with one brother (Carlyle) and one sister (Furzopeda Mae).

Young promising diva Sophia Montecarlo's father was such a big fan of Vilma Santos that he named his daughter after the star mayor's son Luis Manzano (also known as Lucky Manzano), Sophia was baptized Swirtty Mae Nibley, Lucky. Swirtty/Sophia's dad must have been totally star-struck that he trained his daughter to sing, starting at age 3. Sophia is of mixed cultural background, half Filipino, quarter Japanese, Spanish, and American descent. The 6th Grandfinalist of Born Diva TV series, said she could sing as many as 20 songs every day when she reached her teens, Little wonder Sophia, a Mass Communication major in Trinity University of Asia, was a runaway winner when she sang the lungbusting Halik by Aegis.