In the 1860 U.S. Census, James and Ann Payne, both aged 26, are living in Sandusky in Erie County, Ohio. Both Mr. and Mrs. Payne stated that their birthplace as Ireland, and Mr. Payne was employed as a carpenter. The Ohio Marriages collection at Family Search contains a marriage record for James Payne and Ann Highland, who were married in Erie County, Ohio on January 2, 1856. While not yet age 30, Ann Payne died on November 7, 1865. She was buried in Sandusky's Oakland Cemetery.
On October 11, 1866, James Payne married again, to Eliza Corell. The 1870 Census lists James, age 35, and Eliza, age 23, and the occupation listed for James Payne is: Speculation in Sundries. By 1880, James and Eliza Payne had moved to Wyandot County, Ohio, where James states that he is a florist. By now, they have a daughter named Lizzie. In 1900, James and Eliza moved back to Sandusky, Ohio, and James stated that he was a nursery agent. James H. Payne died on January 29, 1909. He was buried in Oakland Cemetery.
Eliza Payne survived until September 2, 1923. She too was buried in Oakland Cemetery. A scroll is found at the top of Eliza Payne's tombstone, and a maple leaf is featured below the inscription of her name.