Zucker was born in Northridge, California and raised in Chatsworth. Her mother, Barbara, is a lab technologist and her father, Barry, is a plumber. She has an older brother, Todd.
Zucker began modeling at the age of sixteen when she was discovered by a scout from It Models. Starting in Los Angeles, her career took her to locations around the world, including France, Japan, Australia and New York. She attended Chatsworth High School, graduating in 1992. While there, she was a cheerleader during her sophomore and junior years. She later described her cheerleading experience:
I was on junior varsity in 10th and 11th grade, and then I decided it wasn't for me. I was so tall and I wasn't one of "those girls". I made the team, but I didn't feel quite comfortable.
She appeared in several TV commercials, including national spots for Mazda and McDonald's. Settling in Los Angeles, she began studies as an actress at Los Angeles Pierce College. She was involved in several workshops that included her performances in Beth Henley's Crimes of the Heart and Neil Simon's The Last of the Red Hot Lovers. She continued her studies at the Howard Fine Studio, where she has been a student for many years. In February 1998, she auditioned for and won the role of Nicole Walker on Days of Our Lives.
In 2002, Zucker married actor Kyle Lowder, who co-starred with her on Days of our Lives as Brady Black. After five years of marriage, they separated briefly in August 2007, then reconciled in March 2008. They have one child. In March 2014, Zucker and Lowder confirmed they were divorced.