She was the oldest of 15 children born to John Murray, a shipwright who had settled at Pukepoto having immigrated from Europe.
[1] In December 1880, at Mangonui, she married Samuel Yates, a storekeeper who had his premises in the town and a store at Pārengarenga Harbour, close to North Cape.
The couple purchased or leased a significant amount of land across the northern part of the Aupouri Peninsula, a total of about 150,000 acres.
[3] Samuel Yates, his health in decline, died on 14 September 1900, at the start of a journey by ship to Auckland.
[1] Despite the death of her husband, Yates stayed on at their house in Pāua and continued to successfully run the property as well as the store.