Grace E. (Underwood) Simmons was born on July 10, 1903 as the daughter of John L. and Nancy (McCarbery) Underwood.

On October 3, she married Ezra Lamont "Speck" Simmons and they had two children:

  1. Gloria Mae (Simmons) Karle

  2. Sandra (Simmons) Gregory

Grace died on July 18, 1973 in Detroit, Michigan at the age of 70. She was buried in Franklin Township Cemetery near where she was living in Tipton, Lenawee County, Michigan.