When Mary Ann Ratcliff was born on 11 November 1835, in Ross, Ohio, United States, her father, John Ward Ratcliff, was 23 and her mother, Elizabeth Ratcliff, was 20. She married John Morris Eagon on 2 February 1854, in Polk, Missouri, United States. They were the parents of at least 4 sons and 3 daughters. She lived in Benton Township, Polk, Missouri, United States for about 20 years and Benton, Missouri, United States in 1910. She died on 5 July 1913, in Bolivar, Polk, Missouri, United States, at the age of 77, and was buried in Reed Cemetery, South Benton Township, Polk, Missouri, United States.