This is Fanny Stokes (1850-1921), born on the Randolph (see listing 19). She was 15 when her father died. She got work as a cook in 1875 and married Samuel Moncrief, gardener.
Fanny married Samuel Moncrief, a widower with existing family at their marriage. He and Fanny seem to have had at least five children and they lived at Wairarapa Road/Terrace.1