Cotton was the wife of John Cotton, of York County. Nothing is known about the date and place of her birth, her maiden name, the date of her marriage or marriages, or whether she had any children. Historians who have identified her husband as a native of the Eastern Shore of Virginia believed that they resided in Hungars Parish, Northampton County, and had a daughter in the spring of 1660 and a son in December 1662, but no documents demonstrate that either of the Cottons had a relationship to any Eastern Shore families. The first reference to Ann Cotton in extant Virginia documents is dated November 4, 1657, when she and her husband witnessed the will of William Evans in York County, where she and her husband evidently lived from sometime before that date until after Bacon’s Rebellion. Her husband was an attorney and for a time owned a plantation on Queen’s Creek. It is evident from her narrative of the rebellion that she knew most or all of the important people in the county, including Edmund Cheesman and his wife, both prominent supporters of Nathaniel Bacon.