Mary Davis Stephens was born in New York on January 22, 1868, the daughter of James Harvey Stephens of Greenwood and Canisteo, New York, and his second wife, Ambrosia Davis. She had one half-sister, Sarah, and three full siblings: Estella, Nell, and Josephine (1862-1872). Estella and her first husband, Charles Goodno, had one son, James Harvey, and she had two sons with her second husband, Chester M. Griswold: George Davis and Burt Stephens (1879-1890). Mary married Frank Dwight Young (b. 1866), a dry goods merchant and grocer from Greenwood, New York, on December 4, 1895. They had four children: Paul Redman (1903-1904), Hope Ambrosia (b. 1905), Grace Estelle (b. 1907), and Frank Dwight (b. 1909). Frank, Sr., had two siblings, William and Ellen.