Thinking about adding somebody to your deed? Here are a few things to think about.

The St. Ambrose Legal Services Department often receives calls from Marylanders who have been advised to add a relative’s name to the deed for their house. It is a common misconception that this is the only way to ensure that a house passes to a family member after the owner’s death. In fact, there are several more ways to ensure that your loved ones receive your home after you pass away.

At St. Ambrose, we help clients prepare three different documents that help secure clients’ property for the next generation. Take a look below for an explanation of these documents and their benefits and risks.

1. Will

The simplest way to ensure that your house transfers to your family members after you die is to write a will. The will specifies who is to receive your home after you pass away – it can be one person or multiple people.

Benefits: Writing a will is a quick, easy way to make your estate plans legally binding. Will appointments at St. Ambrose are free and they typically take less than an hour. Wills also cover other property like your physical possessions (cars, clothing, jewelry, etc.) and money in your bank accounts.

Drawbacks: After you pass away, somebody will have to open an estate on your behalf. An estate is the legal entity that represents a person who has passed away. Your family members may have to pay money to open your estate after you pass away. Additionally, if you die owing debt (credit card debt, medical debt, etc.), those creditors may file a claim into your estate. All claimed debts that are allowed by the Orphans’ Court must be settled before any assets, like your house, can be given to the person or people that you designated to receive them in your will.

2. Joint Tenancy Deed

You can also have a deed prepared where you add one or more people as “joint tenants with the right of survivorship.” This means that once the deed is filed, you become a co-owner of the property along with whoever else you have added.

Benefits: This ensures that whoever you have added to the deed remains an owner of the property after you have passed away. There is no need for anybody to open an estate for your co-owners to retain ownership of the property. If you pass away owing any debts, your creditors will not be able to place a new lien on your property after you die.

Drawbacks: You lose a certain amount of control over your property by filing this kind of deed. If you want to sell the property and a co-owner does not agree, you will not be able to sell without filing a lawsuit. Also, if a co-owner gets sued and loses, a lien could be placed on your property and you could be forced to sell it even if you are alive and living in the property. You will also have to pay fees to your local jurisdiction to record a deed.

3. Life Estate Deed with Powers

This is a special kind of deed that allows you to keep your ownership of the property during your lifetime and specifies a person or people who automatically receive the property after you pass away – these people are called “remainders.”

Benefits: After filing a life estate deed with powers, you keep full ownership of your property during your lifetime. This means that you can sell it, take out a loan on it, refinance a loan on it, or anything else that you were already able to do with the property. If you still own the property at the time you pass away, your remainder(s) automatically take title to the property after you die. There is no need to open an estate for the property to transfer ownership. If you pass away owing any debts, your creditors will not be able to place a new lien on your property after you die.

Drawbacks: You will have to pay fees to your local jurisdiction to record a life estate deed. Also, if you want to change who is the remainder on the deed, you will have to have a new deed prepared and recorded. If your remainder dies before you do and you do not change the life estate deed before you die, then your property will go to your remainder’s legal heirs.

If you would like any of these documents prepared for you or have any other estate planning questions, please call the Legal Services Department at St. Ambrose Housing Aid Center at 410-366-8500 extension 209.

New video: Three things to know about paying rent during a pandemic: Information for Renters during COVID-19

St. Ambrose Staff Attorney Tim Darby talks about what renters need to know about Maryland’s current eviction laws and what they mean and how to have effective conversations with landlords.

As always, if you are having trouble dealing with your landlord, or have any other questions regarding housing law, please call the Legal Services Department at St. Ambrose Housing Aid Center at 410-366-8550, extension 209.

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The COVID-19 Coronavirus outbreak has caused a lot of uncertainty for all Marylanders, particularly renters like Tim. If you are struggling to pay your rent in Maryland there are three things that you should know. Watch the video here.

  1. First, open and honest communication with your landlord is very important. Unless your landlord tells you otherwise, you still have an obligation to pay rent during this period of time. If you think you might not have rent money by the due date, get in touch with your landlord and explain what’s going on. They might be able to work with you to establish a payment plan or defer your rent payment to a later date, though it’s important to note that they are not legally obligated to do so. If you do work something out with your landlord, make sure to get it in writing.
  2. Even if you do not pay rent, your landlord can not legally evict you right now. Even before the coronavirus outbreak, landlords could not legally evict tenants without going through the court system and then paying the local sheriff’s office to conduct the eviction. Landlords can NEVER legally evict tenants without the help of the local sheriffs office. The governor of the state of Maryland has issued an order halting all residential evictions for the duration of the State of Emergency. We do not know when this State of Emergency will end. This means that right now, your landlord cannot legally force you out of your home, even if you have not paid rent or if you have been diagnosed with the coronavirus.
  3. Lastly: If you do miss a payment, you will still owe that money to your landlord, even though they cannot evict you right now. Our state court system is currently running limited operations, and every county and Baltimore City is handling matters differently. However, once your local district court opens up to rent court hearings, trials may be scheduled for those who have not paid their rent. If you get to this point, you are liable for unpaid rent and also maybe fees and court costs. If you do not have this money by the hearing date, your landlord may be able to begin working with the sheriffs office to schedule an eviction.

The most important thing to know is that your landlord CANNOT force you to leave your rental property during this state of emergency. If you are having trouble dealing with your landlord, or have any other questions regarding housing law, please call the Legal Services Department at St. Ambrose Housing Aid Center at 410-366-8550, extension 209.

Foreclosure fears? Ten tips from Staff Attorney Tim Darby, Esq.

Many Marylanders are facing the threat of foreclosure due to loss of income because of the COVID-19 Coronavirus pandemic. The St. Ambrose Legal Services Department has compiled the following tips for what to do if you having trouble making mortgage payments:

  1. Ask for help from a housing counselor or pro bono attorney as soon as you realize you are in financial trouble. The sooner you ask, the more likely you are to get the necessary support to resolve the problem.
  2. Stay in contact with your mortgage servicer so that they are aware of your situation. Your servicer may offer you a forbearance, meaning that they will suspend your obligation to make monthly payments for a certain period of time. Once that period of time ends, you will resume making your normal monthly payments. If you are upfront and transparent about your financial situation, your bank will better understand your needs and interests.
  3. Open all of your mail, promptly. Don’t assume you already know what’s inside.
  4. Know that the foreclosure process in Maryland takes many months from beginning to end. Many people are frightened when they start receiving mail about a foreclosure action. Take this seriously but know that your lender has to take several steps through the court process before you are legally obligated to leave your home.
  5. Know that because of the COVID-19 pandemic, the court system is not processing any foreclosure cases and the Chief Judge of the Court of Appeals of Maryland, our state supreme court, has suspended all evictions.No evictions may legally take place at this time. Once the court system opens back up foreclosure proceedings will resume as normal. You still have an obligation to make mortgage payments unless your servicer tells you otherwise in writing.
  6. Do not pay fees for services to assist you with your financial situation when the service is available for free. Thoroughly investigate anyone who is charging you for financial services and what they are doing for the fees.
  7. Do not take advice from friends, neighbors, or family unless they are trained in financing.
  8. Understand your responsibilities under the debt obligation. A deed of trust is part of a mortgage agreement. A deed is the document that signifies ownership of a piece of real estate.
  9. Know your rights and don’t sign any contracts unless you fully understand the document. You may be offered a forbearance or deferment during this time, but make sure you understand the full implications of this sort of arrangement before agreeing to it.  
  10. Do not think the problem will just go away. If you cannot afford your house, start considering what next steps you will take in order to find a new living space.

The threat of foreclosure can be intimidating, especially in light of the COVID-19 Coronavirus outbreak. However, being informed of your rights and responsibilities can make the process easier. Going through a foreclosure doesn’t mean losing everything. If you remain informed and proactive throughout the process you’ll be able to salvage the maximum amount of your investment. Find help, resolve the problem, and look ahead to life beyond foreclosure.

Call St. Ambrose for free legal advice and foreclosure counseling: 410-366-8550 extension 209.

Navigating Legal Challenges in the Wake of COVID-19

The current COVID-19 pandemic has unleashed a host of uncertainties in nearly every aspect of personal and public life across the state. St. Ambrose Legal Services is here to work with you to achieve clarity and confidence in challenging times. If you or anyone you know is in need of legal services, contact us today: legal@stambros.org.

Here are some of the questions our legal services team is addressing now:

Q: I recently lost my job due to the COVID-19 pandemic. What resources are available to me?

A: You may file for Unemployment Insurance benefits through the Maryland Department of Budget and Management. You can do so online at http://www.mdunemployment.com or via telephone at 1-877-293-4125 or 410-853-1600.

Q: I am afraid that I will be evicted from my house. Can that happen right now?

A: All foreclosure proceedings in Maryland are currently stayed. That means that no foreclosure case will process through the court system until further notice. Additionally, the Chief Judge of the Court of Appeals of Maryland, our state supreme court, has suspended all evictions whether the property is owned with mortgage or rented from a landlord. Even in cases where evictions were previously authorized, Baltimore City and County have suspended evictions from taking place.

Q: Am I getting a check from the government?

A: The federal government recently passed the CARES Act, which will send money directly to millions of Americans. The Internal Revenue Service will use information from your 2018 or 2019 tax return to determine whether you are entitled to direct payment and the amount that you will receive. If your address has changed since filing and you do not have a direct deposit set up, you will need to contact the IRS to inform them. One way to do this is to call the IRS at 800-829-1040 from 7:00 am to 7:00 pm.

The Treasury Department recently stated that people receiving Social Security benefits will not need to file a tax return and will automatically receive either a paper check via mail or a direct deposit into a bank account.

If you have not filed taxes for 2018 or 2019 and receive income beyond Social Security benefits, you should file your 2019 taxes as soon as possible.

Q: I cannot afford to make my mortgage payment this month. What should I do?

A: The first thing you should do is contact your mortgage servicer and explain the situation. Your servicer may offer a forbearance, meaning that they will suspend your obligation to make monthly payments for a certain period of time. At the end of a forbearance, you will continue making the same monthly payments as before.

Q: I cannot afford to make my rent payment this month. What should I do?

A: You should contact your landlord and explain what is going on. They may offer to work with you on a payment plan or suspend your obligation to pay rent for a period of time. Your landlord CANNOT legally evict you without utilizing the services of your local Sheriff’s office.

Q: What should I do if I cannot afford to pay my utilities?

A: BGE has suspended all service disconnections and late payment fees until at least May 1 and will be working with customers to establish payment arrangements and identify energy assistance options. For further information, contact BGE at 800-685-0123.

Both Baltimore City and Baltimore County have suspended water shutoffs for failure to pay.

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Q: I have not paid my property tax. Can my property still go to tax sale?

A: Yes. The 2020 Baltimore City has been delayed, but may still occur this year. The 2020 Baltimore County tax sale is scheduled to take place in early May. YOU DO NOT HAVE TO LEAVE YOUR HOME IMMEDIATELY AFTER IT IS SOLD AT TAX SALE. Even after a property is sold at a tax sale, the owner has a right to pay what is owed (possibly along with fees) until at least six months after the tax sale.

Call the Legal Services Department at St. Ambrose Housing Aid Center for more information at 410-366-8550 extension 209.

Q: Can I still vote in the upcoming elections?

A: The Special Congressional District 7 Election (to replace Rep. Elijah Cummings) will be held exclusively by mail. If you live in the District and you are registered to vote, expect to receive a ballot in your mailbox in early April. In order to have your vote counted, if must be filled out and returned, postmarked on or before April 28, 2020.

The 2020 Primary Election will take place on June 2, 2020 from 7:00 am until 8:00 pm. Early voting will be open from Thursday, May 21 to Thursday, May 28.

Please keep up to date with the State Board of Elections as these dates and procedures are subject to change.

Q: What should I do if I need further assistance or receive a document that I do not understand?

A: You should contact the Legal Services Department at St. Ambrose Housing Aid Center at 410-366-8550, extension 209.

Q: Will any of this information change?

A: Maybe. This information was compiled in early April and all information is subject to change. Call the Legal Service Department at St. Ambrose Housing Aid Center at 410-366-8550, extension 209 with any questions you may have or to confirm that any of this information is still valid.

A Summer of Building Community- TOGETHER!

On July 30, long-time Baltimore City resident Mrs. Comer had her back porch painted and grab bars installed in her upstairs bathroom for safety. Volunteers from Wells Fargo installed new flooring in her living room and dining room. And this fall, both her furnace and roof will be repaired. 

These modifications were made possible through Housing Upgrades to Benefit Seniors (HUBS) and Wells Fargo, in partnership with Rebuilding Together, Central Baltimore Partnership, Jubilee Baltimore, and Jubilee Arts. HUBS is a program that allows seniors (over 65) in Baltimore City to continue to live in their homes and neighborhoods safely and independently as they age by helping them with home repairs and safety modifications. 

Clients like Mrs. Comer, who live in particular neighborhoods designated by Wells Fargo, may have access to additional support for sprucing up. The Wells Fargo Foundation is providing implementation grant funding for Front and Center: A Five Year Equity Plan for Central Baltimore. Part of this plan is to support decent, affordable housing initiatives- especially focused on legacy residents being able to age safely in place.

“I have lived in my home for nearly 50 years. I didn’t realize I needed help but now I do. This is such a wonderful gift that I have received. I am just so appreciative!”- Mrs. Comer

For the First-Time Homebuyers

Approximately two-thirds of adults describe the homebuying process as complicated- and it is. There are a lot of details and people involved.  Knowing where to start and what to expect can be difficult. So we wanted to share some tips on what to expect when looking to buy a home, and how to prepare.

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Before you start looking for your dream home, take a look at your credit score. Our housing counselors recommend your credit is at least 640 before you apply for a loan. It can take several months or more to build up your credit, depending on how far you need to raise it. This should be factored into your homebuying timeline.

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Building your credit is important because it can save you a lot of money down the road. A good credit score can help you get a lower interest rate on your loan. Even just a small percent reduction on the interest rate can add up to big savings.

lookingforahome

Being patient is critical during the homebuying process. At times you can feel rushed to find your home, but taking your time can help you make sure you find a home that has everything you need and is within your budget.

shoparound

Again be patient! Don’t take the first offer that comes to you. Not all lenders are the same. Find the right lender who will help you get the best package possible. And keep in mind, if you get a pre-approval, that does not necessarily mean that is what you can afford. Know your budget before you agree to a loan!

The best thing you can do to prepare to buy a home is to see a homeownership counselor. They will help you look at your budget, figure out what you can afford and help you apply for your mortgage. Our Director of Housing Counseling explains, “It’s so helpful to have a third party person who doesn’t benefit from any of the transactions, and can act as an advocate for you.” She recommends housing counseling to all homebuyers to help make sure you find a home you can afford to stay in for as long as you wish.

 

Host Home Program for Homeless Youth

In June 2017, key stakeholders in Baltimore assembled to kick off the city’s first Host Home Program for homeless youth, particularly those who identify as LGBTQ. The program identifies, screens, and trains community members who volunteer to host youth aged 18-24 who are in need of immediate housing.

You can help us fight youth homelessness by being one of our Hosts for young adults. Hosts receive a stipend and ongoing support from the Host Home Coordinator during their time in the program. If interested in participating in our upcoming training or just want to learn more about Host Homes, please contact Renee Stainrod at:

St. Ambrose Housing Aid Center
321 East 25th Street
Baltimore , MD 21218
410-366-8550 x233
860-532-8835 (Cell)
410-366-8795 fax
Renees@stambros.org

Our 2-part monthly Host training schedule is as followed:

  • December 15th 5:30-7:30pm & December 16th 9-5pm
  • January 12th 5:30-7:30pm & January 13th 9-5pm

 Please RSVP by December 8th 2017

St. Ambrose’s Host Home Coordinator will collaborate with PSY, Star Track, and YES! to identify and appropriately connect young people in need out housing with hosts. Below is more information about the partnering organizations that are each contributing their unique strengths and knowledge to reduce youth homelessness:

Point Source Youth is working to implement research and scale the, Family and Kinship Strengthening, Short-Term Host Homes, and Rapid Rehousing programs that will help in the prevention of youth homelessness in Baltimore.

St. Ambrose Housing Aid Center has a long history of connecting homeowners to interested renters who may not have the capital or credit to thrive in Baltimore’s rental market. They are excited to expand to short-term host homes for youth and will recruit 15 hosts in 2017.

Youth Empowered Society focuses on serving homeless youth while allying with them to create the change that is needed. YES! will be offering rapid re-housing units with an emphasis on case management and connection to employment.

Star Track (Special Teens At Risk–Together Reaching Access, Care, and Knowledge) is launching family and individual therapy designed for young adults who are homelessness or unstably housed. Program therapists are youth-centered and use a justice framework.

 

Talking Homeownership with Pam Petty

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June in National Homeownership Month! To commemorate the occasion we sat down with Homeownership Counselor Pamela Petty to learn about the role she plays to help her clients become happy Homeowners. Pam has been a St. Ambrose Homeownership Counselor for 19 years.
What’s your favorite part about your job?
The folks! I love seeing their faces when they come in and realize that they can buy sooner than they originally anticipated. I love helping my clients understand what funding is available to help them reach their goal of homeownership.
A lot of times my clients come in with a lot of nerves about the home buying process. Being able to explain the process to them helps to settle their nerves and relieve some stress about buying a home. When I’m able to show them that they have more control over the process and the partners they choose to work with, I can see them becoming more relaxed. I love seeing my clients walk out the door with more confidence and settled nerves about the home buying process.
What’s the most common misconception that your clients have?

Sometimes people come in thinking they can afford more house than is realistic for their income. Another misconception is that many people don’t understand the importance of good credit.

What’s your vision for a better Homeownership department:
I think a standard counseling certificate for the whole state would better serve many of our clients. You don’t always know where you’ll find your perfect home. It would be helpful if the counseling certificate was universal for the whole state rather than being separate for each jurisdiction.
It’s great that we offer eHome America to allow clients to complete their homeownership workshop online. I think we need to continue to use technology to serve our clients better and make our counseling program unique.

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Pam with her client, Leslie H., after their one-on-one homeownership counseling session.

What is National Homeownership Month? Here’s an excerpt from the Department of Housing and Urban Development’s Press Release:

WASHINGTON – This week, the U.S. Department of Housing and Urban Development (HUD) kicks off National Homeownership Month by recognizing how homeownership enhances lives and contributes to thriving communities we call home. “Dare to Own the Dream” is the theme of this month-long recognition, reinforcing the long-held belief that owning a home remains one of the cornerstones of the American Dream. Read President Obama’s National Homeownership Month message. 

When President Obama took office nearly eight years ago, the nation’s housing market was in free-fall, unemployment was rising and many families were left feeling trapped and anxious about their mortgages. He immediately took action to address these issues and to protect the middle class. The steps he took helped millions of Americans stay in their homes, save money on their mortgages and turn their communities around.

“Homeownership Month is a good time to reflect on the progress the Obama Administration has made to ensure that owning a home is always within the grasp of the average American family. A home is the place where we raise our children, establish roots in a community and plan our future,” said HUD Secretary Julián Castro. “The opportunity to be a homeowner should be open to those ready and able to buy a home.  As the housing market continues its recovery we must ensure that responsible homeowners have access to credit to make their dreams of homeownership a reality.”

Interested in learning more about Homeownership Counseling at St. Ambrose?  Visit the website to explore your options.

St. Ambrose begins Historical Preservation of homes in Winters Lane, Catonsville

With support from Baltimore County and the State’s Community Legacy program, St. Ambrose is beginning the preservation and renovation of 10 duplex rental homes in the historic black community of Winters Lane in Catonsville, MD. Though St. Ambrose has a long history of doing quality renovation and rehabs to Baltimore area homes, the historical significance and value of these particular houses has had a great impact on our approach to completing the renovations. In the Winters Lane Community, it’s not just about improving the quality of the home, doing energy efficient upgrades, installing new appliances, and making an investment in the community at large. Preserving these homes for their historical value is critical to the project’s success. The extensive renovations  will maintain the historical character of the 100+ year old homes as a celebration of the heritage and historical significance of Winters Lane .

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Winters Lane is one of 40 historical black communities in Baltimore County. Source: Baltimore County Department of Planning

Winters Lane is a historically African American community founded by freed slaves following The Civil War. Officially added to the National Registry of Historic Places in 2007, the history of Winters Lane is well documented thanks to the research of Louis S. Diggs, author of the 1995 book entitled, “It all Started on Winters Lane.” In his book, Diggs primarily takes a genealogist’s perspective to the history of the black community in Catonsville. Diggs’ book draws on oral histories, historic newspapers, census and civic documents to describe in the fullest detail the life and times of the community as it grew and flourished in the years and decades following The Civil War. As we move ahead by making a necessary investment in the future of the community, it is critical to look backward to honor the amazing accomplishments and resilience of Winters Lane.

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In the August 19th, 1961 edition of the Baltimore Afro American newspaper, journalist Elizabeth Oliver introduces the community in this way:

In the Catonsville Development, just two miles from Baltimore’s Western City limits, sprawls the near perfect example of suburban living, homeownership, and community spirit. There is no undertaker here and but one physician, since citizens are interested in living. The welcome mat is always out to summer visitors who find the community a nice place to visit.

The article goes on to describe the community’s picturesque residential gardens and winding lanes, high rate of registered voters (4,000 in total), its ample opportunities for civic and social engagement, and the resolute commitment of the community’s leaders and business owners. This glowing depiction of a harmonious and thriving community is reinforced throughout the pages of Diggs’ book, most conclusively in the oral histories provided by residents who grew up in the community in the first half of the 20th century. In the face of rampant institutionalized racism during the Jim Crow era, the tight knit community of Winters Lane burgeoned and prospered.

The settlement was founded in 1867, one year after the civil war ended. Some of the original founders came into deeded property upon being released from slavery, while others migrated to the settlement from other parts of Maryland and purchased property along Winters Lane in the late 1800’s. Due to segregation and the distance from Baltimore, Winters Lane became a largely self-sufficient community.

In 1868, J.W. Gould donated a tract of land and old school house on the corner of Winters Lane and Edmondson Avenue. The building became the community’s first church, known today as Grace A.M.E ., as well as the first school for black children, School #23. Grace A.M.E. is still an active community church today, though it moved to its present location in 1890. At least 5 churches were founded within the next few decades and the school expanded and moved to accommodate a growing community.

William Washington and Charles Woodland were two of the prominent business owners and home owners in the community’s early days. The Washington family owned one of the first community grocery stores, also on the corner of Winters Lane and Edmondson, which served as an additional community meeting space. According to the oral history of Eva Adele Page Brooks in Diggs’ book, the top floor of the grocery store also housed the classrooms of the 5th and 6th grades in the 1920’s.

 

Left: The Washington Grocery Store built in the 1800’s has been demolished. Right: The Charles C. Woodland House, built in 1874, was  purchased in 1914. The house is registered with the Maryland Historical Trust. 

Washington and Woodland were two of the founding members of The Catonsville Cooperative Corporation. The Co-op was founded in 1890 as a way for local residents to pool their resources to support new businesses. One venture of the Co-op was the Greenwood Electric Park which was a wildly successful amusement park that attracted African Americans from all over the Baltimore metro region. At the time of the Co-ops disengagement in the 1960’s, there were 523 shareholders.

The Weekly Clarion was a local newspaper that first circulated in 1919 as a newsletter for the Grace A.M.E. church.  It soon became a community wide voice with a small editorial staff and control board.

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Advertisement in the Baltimore Afro-American July 16, 1910

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June 2, 1934 edition of The Weekly Clarion. Source: “It All Started on Winters Lane”

 

 

 

 

 

 

 

 

 

 

 

 

 

Civic and social organizations thrived throughout the 1900’s including a football club and baseball club, homeowner’s organization, and various men’s and women’s social clubs that organized community service activities and hosted dances and social gatherings.

Left: A present day picture of Landmark Lodge #40. The Masonic Temple was established in 1904 as a lodge for the Freemasons. The chapter is still active today. Right: 1930’s photograph of members of the Emma Williams Temple. The temple was founded in 1925 and is still active today.

The tradition of strong community organization in the early years of the community paved the way for one of the most active organizations still involved in community affairs today. The Concerned Citizens of Catonsville was founded in the 1980’s to encourage an open dialogue about the increasing crime rates in the Winters Lane District. Today, the group advocates for community revitalization projects, coordinates crime watch patrols, and gives voice to current neighborhood concerns. A legacy of strong leadership continues with the Concerned Citizens of Catonsville who have forged robust community partnerships to fight for for redevelopment and new investment in Winters Lane.

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The rehab and preservation of the historic homes on Shipley and Roberts avenues is just a first step to preserving the resilient community for the future. The homes will be updated to meet current building codes, the living spaces will be expanded and modernized and the exteriors restored. The goal is to maintain the historic character and architecture of the homes, meeting the requirements of the Maryland Historic Trust, while making an investment in the quality of the homes and ultimately the community as whole. Renovations will begin this spring, but the preservation and investment in the Winters Lane community is an enduring project that will ultimately include the preservation of additional homes and new development of affordable homes.

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Sources/ For more information

Diggs, Louis S. “It All Started in Winters Lane.”1995. website

Catonsville Patch: “Winters Lane on a Winters Day”

Maryland Historical Trust: Woodland House

The Afro American July 16, 1910

Baltimore Sun “Winters Lane Masonic Temple”

Baltimore Sun “Winters Lane National Night Out”

Baltimore Sun “Revitalizing Winters Lane to be discussed”

Baltimore Sun “County considers Historic Preservation”

Baltimore County Government “Historic Winters Lane Home to be Restored”