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I suspect she took William's name when her child was born- having a child out of wedlock was frowned upon. It may have been that William Lock was already married so not free to marry her.

Slightly confused now Austin - I've had time to sit down and look at the posts. It certainly looks like William's death as its the same address however on his son Joseph William's marriage record taken from London Marriages and banns in Aug 1867 William is listed as the father but doesn't say deceased. Not sure if this is normal not to put deceased or was he still alive?

It was not compulsory to put deceased on a marriage certificate where the father was no longer living. The headings on the certificate only ask- Father's name and surname, and Rank or Profession of father.

Joseph's father-in-law, Mark Gardner, was also deceased at the time of the marriage in 1867 and this also is not listed.

Jane and family in 1851.

1851 England, Wales & Scotland Census Transcription
1, Wandsworth Road Surrey Place, Clapham, Wandsworth, Surrey, England
Mark Gardner Head Married 51 1800 Smith & Ironmonger (Master Employing 4 Men) Frimley, Suffolk,
Caroline Gardner Wife Married Female 44 1807 - Clapham, Surrey, England
Charles Gardner Son Unmarried Male 22 1829 Smith (Journeyman) Clapham, Surrey,
Mark Gardner Son Unmarried Male 19 1832 Smith (Journeyman) Clapham, Surrey,
Mary Ann Gardner Daughter Unmarried Female 17 1834 Dress Maker Clapham, Surrey,
Thomas Gardner Son - Male 15 1836 - Clapham, Surrey, England
Jane Gardner Daughter - Female 6 1845 Scholar Clapham, Surrey, England
Frederick Gardner Son - Male 3 1848 Scholar Clapham, Surrey, England
Ellen Gardner Daughter - Female 1 1850 - Clapham, Surrey, England
----------------------------------------------

Jane's mother, widowed in 1861-

1861 England, Wales & Scotland Census Transcription
5, Surrey Place Wand Road, Clapham, Wandsworth, London, England
Caroline Gardner Head Widow Female 37 1824 Ironmonger Clapham, Surrey,
Thomas Gardner Son Married Male 25 1836 Smith Clapham, Surrey,
Jane Gardner Daughter - Female 16 1845 Shop Assistant Clapham, Surrey, England

Thanks for all this Austin :-D