Burial 7th Jan 1895
St John, Coulsden
William Gibbs of Hope Cottages, Smitham Bottom, age 45
Oh - we have a slight problem here. Look at this for 1891, especially the address
RG12  Piece number   585  Folio   75  Page   9
Hope Cottages, Smitham Bottom, Coulsdon, Croydon
William   Gibbs   Head   Married        40       Labourer ?   Worth, Sussex 
Ellen   Gibbs   Wife   Married       32       Caterham, Surrey  
Ellen   Gibbs   Daughter   Single       15       Scholar   Coulsdon  
William   Gibbs   Son       14       Scholar   Coulsdon, Surrey 
Annie   Gibbs   Daughter       8       Scholar   Coulsdon 
Aron   Price   Lodger   Married       38       General Labourer   Wiltshire 
So either the William who died isn't yours, or your William was leading a double life and was living with another family who were using his name. I'll see if I can find this family in 1881.