Miss Grace Scott Bowen was born on 9 March 1867 on Lake Street in Cooperstown, Ostego, New York.
She was the daughter of Samuel Adams Bowen (1834-1884), a county judge, and Anna Frances Butts (1833-1904) who both hailed from New York and who had married prior to 1865. She had three siblings of whom she was the only one to survive into adulthood: Ruth (1870-1872), Harry (1871-1872) and Samuel (1976-1882).
She first appears on the 1870 New York census living in Cooperstown and is still living in the village by the time of the 1880 census. She was educated in Cooperstown High School and was among the fourth graduating class of that establishment when she graduated in 1883.
Her father died in early 1884 and she and her mother continued to reside in Cooperstown, appearing there on the 1900 census. Grace lost her mother on 3 May 1904. She later became employed by the wealthy Ryerson family of Pennsylvania to act as a tutor and governess to the children. She accompanied the Ryersons to Europe and for her return to the USA she boarded the Titanic as a first class passenger in Cherbourg on 10 April 1912.
Miss Bowen survived the sinking, escaping with the Ryersons in lifeboat 4.
Following the Titanic disaster and in later years Grace committed the rest of her life to teaching and was the principal of St Christina School of the Susan Fenimore Cooper Foundation from 1922 to 1924, following which she had a fifteen year spell heading the Latin department at the Knox Girls' School in Cooperstown. She was an avid gardener and was also renowned for her New Years' parties where she entertained many who she had tutored during her life. She was never married and continued to live in the family home and, following retirement, would always write about the history of her neighbourhood, many articles of which were published in her local newspaper.
Grace died at the Mary Imogene Bassett Hospital following a stroke on 3 May 1945 aged 78. She is buried in Lakewood Cemetery with her parents and siblings.