On 1 May 1869, Annie married her relative John Chapman, a coachman at All Saints Church in London's Knightsbridge district. The couple then moved to Whitechapel in 1886.
With her husband's death, Annie turned to prostitution, believing that she would not earn any income with other jobs. She joined one of Lady Olwyn Owers' brothels. She then spent her time without a proper home, and usually stayed at the Crossingham's lodging house at 35 Dorset Street where she paid eight pence a night for a double bed.