Although headstone reads birth year as 1876, the Death and Birth records indicate 1874 as Zelma's birth year.

Michigan Death Certificate shows Zelma was the daughter of Lewis Hopkins of Michigan and Catherine Gowdy of Ohio, female, white, married, wife of Vern Palmer, born October 26, 1874, Ohio and died on September 19, 1920 Mason, Ingham Co., MI at the age of 45 years 10 months and 23 days, cause of death Cancer ??? Uterus. Informant Lewis Hopkins of Mason, Mich. Burial was on September 21, 1920 Aurelius Cemetery, Mason, Ingham Co., Mich. {Death certificate transcription courtesy Sandra Moore}

"Michigan Births, 1867-1902," for Zelma Hopkins (1874)
Name: Zelma Hopkins
Birth Date: 26 Oct 1874
Birthplace: Aurelius, Ingham, Michigan
Gender: Female
Race:
Father's Name: Lewis Hopkins
Father's Birthplace: Michigan
Father's Age:
Mother's Name: Kate Hopkins
Mother's Birthplace: Ohio
Film Number: 2320443
Digital Folder Number: 4206341
Image Number: 750
Frame Number:
Reference Number: item 3 p 312 rn 863
Source Citation: "Michigan Births, 1867-1902," index and images, FamilySearch (https://familysearch.org/pal:/MM9.1.1/NQVZ-R7P : accessed 25 April 2012), Zelma Hopkins (1874).

1880 United States Federal Census about Zelma Hopkins
Name: Zelma Hopkins
Age: 5
Birth Year: abt 1875
Birthplace: Michigan
Home in 1880: Alaiedon, Ingham, Michigan
Race: White
Gender: Female
Relation to Head of House: Daughter
Marital Status: Single
Father's Name: Lewis Hopkins
Father's Birthplace: Michigan
Mother's Name: Catherine Hopkins
Mother's Birthplace: Ohio
Household Members: Lewis Hopkins 32
Catherine Hopkins 37
Zelma Hopkins 5
Frank Hopkins 4
John Gowdy 65
Mary Gowdy 68
Flora Gowdy 27
Herman Gowdy 35
Casper Gowdy 24

1884 Michigan Census, appears as daughter, b. 1874

1894 Michigan Census, appears as daughter, b. 1874

1900 United States Federal Census about Leelma Hopkins
Name: Leelma Hopkins [Zelma Hopkins]
Age: 25
Birth Date: Oct 1874
Birthplace: Michigan
Home in 1900: Aurelius, Ingham, Michigan
Race: White
Gender: Female
Relation to Head of House: Daughter
Marital Status: Single
Father's Name: Lewis Hopkins
Father's Birthplace: Michigan
Mother's Name: Kate Hopkins
Mother's Birthplace: Ohio
Household Members: Lewis Hopkins 52
Kate Hopkins 57
Leelma Hopkins 25 [Zelma]
Frank Hopkins 24
Edward Gowdy 26

1910 United States Federal Census about Zalma Palmer
Name: Zalma Palmer [Zelma Palmer]
Age in 1910: 34
Birth Year: 1876
Birthplace: Michigan
Home in 1910: Aurelius, Ingham, Michigan
Race: White
Gender: Female
Relation to Head of House: Wife
Marital Status: Married
Spouse's Name: Vern Palmer
Father's Birthplace: Michigan
Mother's Birthplace: Ohio
Household Members: Vern Palmer 30
Zalma Palmer 34
Lawton A Palmer 1 7/12 [1]

1920 United States Federal Census about Zelma Palmer
Name: Zelma Palmer
Age: 44
Birth Year: abt 1876
Birthplace: Michigan
Home in 1920: Aurelius, Ingham, Michigan
Race: White
Gender: Female
Relation to Head of House: Wife
Marital Status: Married
Spouse's Name: Vern I Palmer
Father's Birthplace: Michigan
Mother's Birthplace: Ohio
Able to read: Yes
Able to Write: Yes
Household Members: Vern I Palmer 40
Zelma Palmer 44
Lawton A Palmer 11
Cleza I Palmer 8
Catherine E Palmer 5 [5 6/12] i.e., 5 yrs 6 mos.
Lewis L Palmer 3 [3 2/12], i.e., 3 yrs 2 mos.


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NOTE: Bio above courtesy Sandra Moore, original memorial owner with additional information provided (and more being collected to be posted...i.e., under construction), 03.31.2014 by Debra Hart Blackgrave Tyre.