Retired Navy Lt. Cmdr. Charles Clifford Windsor, 95, who won a Navy Cross during World War I died of a heart ailment Friday at Bethesda Naval Hospital.

Cmdr. Windsor was commanding officer of a troop escort ship, the USS May, on Aug. 9, 1980, when a second ship in the Atlantic convoy was torpedoed.

He received the Navy Cross for the seamanship he exhibited in salvaging the stricken ship in the high seas and towing it more than 300 miles to safety. t

Cmdr. Windsor was a native of Iron River, Mich., and a 1907 graduate of the U.S. Naval Academy at Annapolis. He earned a master's degree in engineering at Columbia University and instructed at the Naval Academy before retiring from active duty in 1928.

He returned to active duty during World War II and served on the Navy General Court Martial Board of the Potomac River Naval Command before retiring a second time in 1946.

Since that time he had lived in retirement in the District. He was a member of the Army & Navy Club in Washington, the Army Navy Country Club in Arlington, the New York Yacht Club, and the English Speaking Union.

His first wife, the former Evelyn Chew Stephenson, died in 1950. His second wife, the former Virginia Deyber, whom he married in 1964, died in 1970.

Cmdr. Windsor's survivors include two stepsons, Lowry Chew Stephenson of Villanova, Pa., and David Chew Stephenson of Washington; a brother William, of Calimesa, Calif., and a sister, Pearl Windsor of Iron River and Ft. Lauderdale.