Frances Horn was born in Pulloxhill, Bedfordshire.  She and her sister, Katherine S Horn, settled with their widowed mother, Alice, in St Ives in the latter part of the 1890s. They lived at 90 Talland Road (now known as Pednolver Terrace).  Frances was an artist-painter (according to the 1901 Census) who studied with Julius OLSSON and Algernon TALMAGE in their classes. She is recorded as giving exhibition addresses in Totnes, Devon (1903) and in Camberley, Surrey (1904), only to return to St Ives as an address in 1905 suggests (J&G, information filed under LUCK*).

She exhibited at the Whitechapel Exhibition of 1902, showing In the Harbour, St Ives, and in the same year exhibited a view of Mousehole at the RCPS, Falmouth. She also exhibited at most of the St Ives Show Days up until 1909, the year of her marriage. Tovey reveals in his social history of the artists in the St Ives community that, for some unconfirmed reason, the standard reference books (such as Johnson & Greutzner and also Whybrow - perhaps jointly one from the other) seem to have picked up information of her marriage to a Mr Luck*, when in fact she married one William Alfred Elliot Coxon, then resident in Egypt (St Ives Weekly Summary 26/6/1909).  In any case, her art career appears to have ended there - unless further information is forthcoming.