Thanks all of you for your help. This has really helped me clarify that this was "my" Annie Maria and her husband Albert. Have not found any evidence they had any children. I did find a FindaGrave for Annie, too, she is buried with Albert, and died 3 Dec 1970.
The only issue is her birthplace of Sevenoaks, when she was actually born in Burwash, but only half an hour away. The Relfs might have lived there at some point.
Now I need to find her missing sister Ellen!