Kate Eliza was born on the 8th March 1842 in London to James Richard and Eliza Lloyd.
The family lived in Belmont Hill, St Margaret's, London. Kate's Father, James Richard was a member of the Metropolitan board of works for the Plumstead and Lewisham districts. This was the principal instrument of London-wide government from 1855 until the establishment of the London County Council in 1889. It's principal responsibilities was to provide infrastructure to cope with London's rapid growth.
He was also for thirty years confidential manager in the firm of Messrs. Dent, Palmer, and Co, East India Merchants.
After her parent's died, Kate and her siblings Emily and Arthur were still living at Belmont Hill, London. Then by 1901 Kate and Emily moved to 20 Micheldever Road, Lewisham, London. Neither were working and living on their own means. At some point between 1911 and 1913 Kate and Emily moved to Worthing and lived at Ringwood Winchester Road, Worthing, Sussex. Kate died on the 14th December 1913 at the Seabrook Nursing Home, Queen's road, Worthing. She left £1982 15s 2d (£116,966.78 in 2020) to Emily Fanny Lloyd, her Sister.