RootsChat.Com

You can use something like https://dnapainter.com/tools/probability to try and understand the pattern in your DNA

I see both the Wards and Bakers were from South Australia - have you tried looking at Wyndham nad Ada's relatives to see if it might have been a in-family adoption?

Interesting find ladyhawk! Correct (unusual) middle name, too.

If this is her, there are descendants that OP could get in contact with.

At https://www.scotlandspeople.gov.uk/ you should be able to find the marriage

If I put Hector Dally into the search it comes up with one marriage, and one death.
The marriage was between 1920 and 1925.

Another possible route is to see if there's any advertisments by Frances for the services she provided.

I have seen many advertisements by nurses who ran private houses where the primary purpose was providing a safe & discreet location to give birth.

Another common service was providing a place for the long-term sick who needed some additional level of care. Sometimes you'll see a private nursing home mentioned in a death notice where the death has been "after a long illness".

In the same parish?
Have you seen the original records?

Some of your dates don't make sense. Both Anns have the same death-date and Ann Shepherd was born before she was married.

I can see Samuel Callard to Ann Whiteway in 1774 parish Staverton
I can see Samuel Callard to Ann Shepherd in 1776 parish Buckfastleigh

These two areas are pretty close together, so it's possible Samuel married Ann W, then she died young and he remarried to Ann S.