The PO Directory lists Mrs J. F. Carmichael at No. 3 from 1865 to 1868. This was Christina Brown Graham, widow of James Ferrier Carmichael. Christina (or Christian) Brown Graham was born c.1815, daughter of John Graham, grocer, and Charlotte Brown. She married James Ferrier Carmichael at St Cuthbert’s, Edinburgh on 6 July 1837. J. F. Carmichael (1812-1854) was described at different times as a portrait painter, landscape artist and teacher of drawing and painting. After her husband’s death of tuberculosis in 1854, Christina Brown Graham opened a school for young ladies at No. 17 Clarence Street. In the census of 1861 she was described as a teacher of English and in the 1871 census as a teacher and boarding house keeper. In the 1880s she moved to Lancashire, but died in Edinburgh on 22 August 1892.
Christina Brown Graham and James Ferrier Carmichael had six children who, with the exception of their second daughter Anne Durward Carmichael (1842-1846), may have lived at No. 3 Malta Terrace. The eldest was feminist and literary scholar Charlotte Brown Carmichael (1840-1929) who married Henry Stopes and was the mother of Marie Stopes (1880-1958). The other children were William Carmichael (1844-1931), Christina Carmichael (1846-1931), James Carmichael (1850- ) and Ellen S Carmichael (1853-1929).