Kemerer enrolled at Hackettstown Academy in New Jersey and then Hagerstown Female Seminary, a Lutheran school, in Maryland.
In 1890, she married Albert Kemerer, the son of State Senator Jacob Kemerer, who employed Albert in the real estate division of his law firm.
The Kemerers lived on W. Broad Street near the movie theater.
The Kemerers had one son who served stateside during World War I, but committed suicide in 1921.
[1] Albert Kemerer died in 1927, and after his death Annie Kemerer became more reclusive but continued to acquire a large collection of antiques until her death in 1951 at age 85.