The correct answer is option 4, which is 89. This means that there are 89 women school teachers living in urban areas who have two children.

Option 1, which is 38, is incorrect because it does not match the correct answer. Option 2, which is 39, is also incorrect because it does not match the correct answer.

Option 3, which is 51, is also incorrect because it does not match the correct answer. The correct answer is 89, not 51.

Therefore, the correct answer is indeed option 4, which is 89.