MARIE CARMEN KEBREAU v. BAYVIEW LOAN SERVICES, LLC

DISTRICT COURT OF APPEAL OF THE STATE OF FLORIDA
FOURTH DISTRICT
MARIE CARMEN KEBREAU,
Appellant,
v.
BAYVIEW LOAN SERVICING, LLC, in substitution for the original
Plaintiff CHRISTIANA TRUST, a division of WILMINGTON SAVINGS
FUND SOCIETY, FSB, as Trustee for NORMANDY MORTGAGE TRUST,
SERIES 2013-18,
Appellee.
No. 4D16-2010
[July 12, 2017]
Appeal from the Circuit Court for the Seventeenth Judicial Circuit,
Broward County; Dale Ross, Judge; L.T. Case No. CACE15014137 (11).
Catherine A. Riggins, Miami, for appellant.
Thomas Wade Young and Joseph B. Towne of Lender Legal Services,
LLC, Orlando, for appellee.
WARNER, J.
A homeowner appeals a final judgment of foreclosure, raising multiple
issues. We address briefly the homeowner’s argument that the foreclosure
action was barred by the statute of limitations, as well as her contention
that the mortgage was invalid because the deed to her was legally
insufficient. We hold that the complaint was not barred by the statute of
limitations where it alleged continuing defaults. As to the deed, the
homeowner failed to properly raise her claim of its invalidity, and in any
event, its defect was cured through the after-acquired title doctrine. We
reverse, however, the attorney’s fees award, as the appellee concedes that
it did not present sufficient evidence to support the attorney’s fees in the
final judgment.
The homeowner argues that the final judgment of foreclosure should be
reversed as barred by the statute of limitations because the complaint
alleges that the homeowner defaulted in failing to make the payment due
in July 2010, which occurred more than five years prior to the complaint
being filed. The appellee counters that the complaint also alleged that the
homeowner had failed to make all subsequent payments. Thus, the
complaint alleged defaults that fell within the five-year limitations period.
The Second District Court of Appeal addressed nearly identical facts in
both Bollettieri Resort Villas Condominium Ass’n, Inc. v. Bank of New York
Mellon, 198 So. 3d 1140 (Fla. 2d DCA 2016), and Desylvester v. Bank of
New York Mellon, No. 2D15-5053, 2017 WL 2562370 (Fla. 2d DCA June
14, 2017). It concluded that “the allegations of the complaint in the
underlying action that the borrowers were in a continuing state of default
at the time of the filing of the complaint was sufficient to satisfy the five-
year statute of limitations.” Desylvester, at *3. We agree with Bollettieri
and Desylvester. Accord Deutsche Bank Tr. Co. Ams. v. Beauvais, 188 So.
3d 938, 945 (Fla. 3d DCA 2016) (en banc); Kaan v. Wells Fargo Bank, N.A.,
981 F.Supp. 2d 1271, 1274 (S.D. Fla. 2013). Contra Hicks v. Wells Fargo
Bank, N.A., 178 So. 3d 957, 959 (Fla. 5th DCA 2015) (holding that a
foreclosure complaint alleging a default in payment in 2006 and all
subsequent payments was barred by statute of limitations because the
date of default was more than five years prior to filing complaint).
The homeowner also contends that the mortgage was invalid because
she failed to acquire legal title to the property due to a defect in the legal
description in the deed to homeowner. The homeowner waived this
defense, however, by not raising it in her answer. See Heartwood 2, LLC
v. Dori, 208 So. 3d 817, 821 (Fla. 3d DCA 2017). Moreover, under the
after-acquired title doctrine, any error in the original deed was corrected
by a subsequent corrective deed. See Layne v. Layne, 74 So. 3d 161, 163
(Fla. 1st DCA 2011); BCML Holding LLC v. Wilmington Tr., N.A., 201 So. 3d
109, 112 (Fla. 3d DCA 2015) (“The doctrine of after-acquired title applies
to mortgages.”); Rose v. Lurton Co., 149 So. 557, 558 (1933).
The homeowner argues that there was insufficient evidence presented
to support the award of attorney’s fees in the final judgment of foreclosure.
The appellee concedes this point, as there was no testimony from counsel
as to time spent. We therefore reverse the award of attorney’s fees.
As to all other issues raised, we affirm without further comment.
Affirmed in part; reversed in part.
GERBER, C.J., and FORST, J., concur.
* * *
Not final until disposition of timely filed motion for rehearing.
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