Electric vehicle (EV) replacing the internal combustion engine may be the solution to the PM2.5 pollution issues. However, uncontrolled increase of EVs would challenge the power-distribution-system operation, which includes the reduction of distribution transformer lifetime. Therefore, it is necessary to implement some level of control over EV charging procedure, especially in the residential network. In this paper, we present an optimization method for EV charging considering a transformer aging factor in an urban village environment. The optimized strategy focuses on the reduction of the charging cost, power loss and peak load power. The optimization problem is solved using the Genetic Algorithm (GA) in MATLAB. As a case study, we have used data from the village in Udon Thani, Thailand to demonstrate the applicability of the proposed method. Simulation results show a reduction in the charging cost, power loss cost and peak demand power. In addition, the application of the proposed method prolongs the transformer lifetime, which can benefit both EV owner and distribution system operator (DSO).