Frances St. John Smith was born in 1909 to wealthy parents in New York City, New York. Her parents, St. John Smith and Florence Howland, were descended from families who sailed to the United States on the Mayflower and are very well-established names on the East Coast. Her parents had high hopes for Frances and her brother, St. John Smith, though only the latter would go on to achieve them. By 1928, Frances was missing and presumed dead.