I have three daughters, two of which are just passing the 5-foot mark. I have been looking at short frame options for a while. I can't help you with lugged.

Fuji makes a track frame for 650s. (Don't have one of these)

Swobo Sanchez goes small, 700c wheels, sloped top tube. (Have one in box, not built yet. Middle daughter birthday at end of month)

Oldest daughter has a frame from American Cyclery. Built at Waterford, it is like a Gunnar or a Milwaukee. It is designed to be as short as possible with 700c wheels. Not lugged, but a bad-azz frame if I do say so myself.

I am very interested in this thread. My youngest daughter wants "gears". Now I have to find a good one with gears. (ugh)