Sarah Ann Carter was born around 1848 in Pennsylvania to Grayson Carter and Cassandra Smith. Her father was a coal miner and shoemaker who owned $150 of real estate and $200 of personal property by 1860. They lived in Jefferson, Pennsylvania, until the 1850s, when they moved to Millsboro, Pennsylvania. She married Joseph Fordyce in the late 1860s, and they had at least five children: George, born around 1870; Maude, born around 1878; John, born around 1880; William, born around 1883; and Thomas, born around 1887.
They eventually moved to West Virginia, and her husband died there in 1896. By 1900, she and her sons were running their farm in Clay, West Virginia. She may have moved to Springhill, Pennsylvania, in the early 1900s, but by 1930, she had returned to Clay. She died in Littleton, West Virginia, on June 5, 1930.