Stephen Heard was born in Hanover County, Virginia on November 1, 1740 to John Heard Jr. and Bridgett Carol Heard, wealthy tobacco farmers. Heard's paternal grandfather, John Sr., arrived in America from Ireland around 1720. Stephen was brought up in Virginia and received his primary education there; this would be the highest level of education Heard would receive.
With the outbreak of the French and Indian War in 1754 Heard left school in search of honor and adventure in the army. Along with some of his brothers, Heard enlisted in the Virginia colonial regiment under the command of Colonel George Washington. This experience gave Heard a thorough understanding of warfare in the frontier which he would go on to use later in his life. During the war, Heard fought valiantly and was promoted by Washington to the rank of Captain. This military collaboration led to a lifetime friendship between George Washington and Stephen Heard. Heard would even go on to name his son George Washington Heard.
Between wars
After the French and Indian War the Heard family received a land grant of 150 acres for their service in what is today Wilkes County, Georgia, so Stephen, his brother Barnard, and their father John, moved their families here. This land was near the mouth of the Little River in an area that had not yet been secured from the Creek and Cherokee Indians. Because of this, the family constructed Heard's Fort as a refuge for travelers from Native American attacks and the wilderness. Heard's Fort was completely finished in 1774 and in 1780 would become the city of Washington, Georgia. For a time during the Revolutionary War Heard's Fort would serve as the temporary capitol of Georgia.
Revolutionary War
When The Revolutionary War broke out Heard immediately joined the patriot cause along with fellow Georgians Elijah Clarke, Nancy Hart, and John Dooly who also lived in Wilkes County. Unfortunately for the rebels Georgia was very divided on the issue of independence and throughout the war the patriots faced a strong loyalist resistance. So much so that it led to tragedy for Heard. In the winter of 1778 while Stephen was away fighting, a group of Tories stormed his house burned it down and forced his wife Jane, and their adopted daughter out in to a snow storm where they would die from cold exposure. Despite the death of his family Heard continued to fight in the revolution. He participated in the Battle of Kettle Creek, he was involved in the most violent and dangerous part of the fight and according to one source Heard set himself apart by "encouraging his men and leading them to points of danger and vantage." Unfortunately, Heard was captured at Kettle Creek and it would be his last battle of the revolution.