The Huntington National Bank v. Watters

CRENSHAW, Judge. Because the trial court erred in finding that Huntington National Bank’s (Huntington) attempt to foreclose on Warren Watters’s property was barred by the statute of limitations, we reverse. *596 On February 24, 2015, Huntington initiated a second action to foreclose on Watters’s property, alleging the same default dates indicated in the first action, 1 “August 1, 2007, and all subsequent payments.” In his answer, Watters asserted numerous affirmative defenses, including that the statute of limitations had run in 2012. The trial court granted final summary judgment for Watters, basing its decision solely upon a finding that the action was barred by the statute of limitations. We disagree. This court has held that alleging “a continuing state of default at the time of the filing of the complaint [is] sufficient to satisfy the ... statute of limitations.” Desylvester v. Bank of N.Y. Mellon, 219 So.3d 1016, 2017 WL 2562370 (Fla. 2d DCA June 23, 2017); see also Bollettieri Resort Villas Condo. Ass’n v. Bank of N.Y. Mellon, 198 So.3d 1140, 1142 (Fla. 2d DCA 2016) (“[T]he bank’s complaint was sufficient to establish that foreclosure could be based on any of the missed payments since the initial breach and was therefore not barred by the statute of limitations.”), review granted, No. SC16-1680 (Fla. Nov. 2, 2016). As Huntington’s complaint had asserted a “continuing state of default” since August 1, 2007, Huntington had the right to foreclose for each default which was within the statutory period, and the action was therefore not barred. Accordingly, we reverse the final summary judgment and the final judgment of attorney fees and costs for Watters. Reversed. NORTHCUTT and CASANUEVA, JJ., Concur. Footnotes [1] That action was involuntarily dismissed without prejudice on October 9, 2013.