ARROYO, VICTORIA of Margate, Florida died Monday, September 26, 2011 at Margate Health Center, Margate, Florida, Beloved wife of the late Americo Arroyo. Devoted sister of Antonia Charneco. Cherished aunt of Evelyn(Chip) Pierce, Rick(Vittoria) Charneco, John Charneco & Joseph(Donna) Charneco. Graveside services will be held Thursday, September 29, 2011 at 11:00am at Queen of Heaven Catholic Cemetery 1500 South State Rd. 7 North Lauderdale, Florida. Arrangements under the direction of Kraeer Funeral Home and Cremation Center 1North State Rd. 7, Margate, FL.