When Frances Anne Racer was born on 1 December 1860, her father, George Robert Reasor, was 34 and her mother, Frances Ann Willis, was 33. She married James Henry Swartz on 22 June 1887, in Rappahannock, Virginia, United States. They were the parents of at least 2 sons and 3 daughters. She lived in Hampton Magisterial District, Rappahannock, Virginia, United States in 1880 and South River Magisterial District, Warren, Virginia, United States in 1900. She died on 19 January 1916, at the age of 55.