The child of Charles Culmer (a farm waggoner) and Charlotte Coleman (a pauper), Emma Culmer, the great-grandmother of Nigel Horne, was born in Monkton, Kent, England on 15 Nov 18601,2,3,4,5,6,7,8, was baptised there on 13 Jan 1861 and married John Cowell (a farm waggoner with whom she had 4 children: Charles Percy, Albert John, Edith Eliza and James Frederick) at All Saints Church, Westbere, Kent, England on 8 Feb 187910.
During her life, she was living at 1 Monkton Street, Monkton on 7 Apr 18611; at The Street, St Nicholas-at-Wade, Kent on 2 Apr 18712 and12; at Wayborough, Minster, Thanet, Kent on 3 Apr 18813 and13.
She died on 7 May 1889 in Upstreet, Kent6,7,8,9 (plithisis) and was buried at St Mary the Virgin's Church, Chislet, Kent on 11 May 188911.
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