Eliza Jane (Getty) Underwood was born on October 26, 1843 in Ballymena, County Antrim in what is now Northern Ireland. She was the fifth of the nine children of James, Sr and Matilda (McCaughey) Getty.

Eliza arrived with her parents and six siblings at the port of New York on October 2, 1852 aboard the the SS William Rathbone.

After spending two years in New York State, the family moved to Ridgeway Township, Lenawee County, Michigan. Eliza was eleven years old by this time. When she was sixteen, she hired out to John and Martha Gifford, who had previously moved to Ridgeway Township from New York state.

She was married to William A. Underwood and they had nine children:

  1. Charles W. Underwood (1863-1912)
  2. Arthur J. Underwood (1865-1942)
  3. Adelaide M. (Underwood) Babcock (1867-1958)
  4. Serphina (Underwood) Exelby (1869-1946)
  5. John L. Underwood (1871-1952)
  6. Lovia (Underwood) Zeluff (1872-1943)
  7. Amos C. Underwood (1874-1949)
  8. Claybon Underwood (1876-1956)
  9. Clarence Lavern Underwood (1879-1954)

Eliza died on August 20, 1881 and is buried in Ridgeway Cemetery in Ridgeway Township, Lenawee County, Michigan.

In 1882, William married Adelaide Underwood, the widow of his brother, Michael.