Mitche11,
You say,
"All the information I have that I know to be correct indicate that Frances was born between 1879 - 1889."
and
Frank Edwin Taylor aka Frank Johnston Morley and Lily Mary Annie Higgs had 4 children:
Joyce Edith Morley born Oct 1928 Lambeth, London, England
Jean Morley born Jul 1931 Lambeth, London, England
Douglas Frank Johnston Morley born 19 Jun 1934 Surrey North Eastern, Surrey
Derrek Douglas Johnston Morley born 28 Jan 1937 Surrey North Eastern, Surrey
They also had an adopted son: John Morley born about 1938 Surrey, England. I have no other information on John Morley.
Are you a descendant of one of Frank and Lily's children ?
John