CitiMortgage, Inc. v. Maryland at Five LLC

2025 IL App (1st) 231548-U
Appellate Court of Illinois·Decided March 28, 2025·No. 1-23-1548·Unpublished

Opinion

2025 IL App (1st) 231548-U

FIFTH DIVISION

March 28, 2025

No. 1-23-1548

NOTICE: This order was filed under Supreme Court Rule 23 and is not precedent except in the limited circumstances allowed under Rule 23(e)(1).

IN THE

APPELLATE COURT OF ILLINOIS FIRST DISTRICT

CITIMORTGAGE, INC., and ) ANTOINE DRINK, ) Appeal from the ) Circuit Court of

Plaintiffs and Counterdefendants-Appellees, ) Cook County.

)

v. ) No. 2018 CH 3507 )

MARYLAND AT FIVE LLC, ) Honorable ) Thaddeus L. Wilson,

Defendant and Counterplaintiff-Appellant, ) Judge Presiding.

)

(4005 S. Calumet, LLC, Counterplaintiff-Appellant). )

PRESIDING JUSTICE MIKVA delivered the judgment of the court.

Justices Oden Johnson and Navarro concurred in the judgment.

ORDER

¶1 Held: The circuit court’s grant of summary judgment in plaintiffs’ favor is affirmed;

defendants’ request for reformation of a deed was properly denied where the property had been conveyed to a bona fide purchaser for value, and plaintiffs, possessing superior title, were entitled to quiet title, declaratory relief, and ejectment.

¶2 This appeal stems from a real estate transaction in which several documents, prepared by

multiple parties, contained conflicting, inaccurate, and fictional information, leaving the exact nature of the parties’ interests unclear. The circuit court granted summary judgment in favor of plaintiffs CitiMortgage, Inc., and Antoine Drink, and against defendants 4005 S. Calumet, LLC (Calumet), and Maryland at Five LLC (Maryland). The circuit court found that although Mr. Drink occupied Unit 3S, he has the superior title to Unit 3N, and was thus entitled to quiet title to that unit, under a 2008 warranty deed that listed the PIN and legal description for Unit 3N. Defendants appeal from that ruling, arguing that they are entitled to reformation of the 2008 deed, which listed a fictional common address, to reflect Mr. Drink’s ownership of Unit 3S as the parties allegedly intended to convey. Plaintiffs argue that reformation is not possible because the unit has since been sold to a bona fide purchaser and this court is unable to unwind that sale. For the following reasons, we affirm.

¶3 I. BACKGROUND

¶4 A. Factual Background

¶5 The relevant facts are undisputed and are taken from the documents attached by the parties to their summary judgment briefing.

¶6 In 2005, Calumet acquired a building at 4005-4007 South Calumet Avenue in Chicago and developed it into multiple residential condominium units. The northern units are assigned the address 4005 South Calumet Avenue, while the southern units have the address 4007 South Calumet Avenue. Accordingly, 4005 South Calumet Avenue is comprised of units 1N, 2N, and 3N, and 4007 South Calumet Avenue is comprised of units 1S, 2S, and 3S.

¶7 On June 30, 2008, Calumet transferred interest in one of the units to Mr. Drink through a special warranty deed (2008 deed). The first document prepared, the sale contract, contains the property index number (PIN) corresponding to Unit 2N and the common address 4005 South

Calumet Avenue, Unit 3S, a common address and unit combination that does not exist. The 2008 deed lists the PIN 20-03-111-033-1003, which corresponds to 4005 South Calumet Avenue, Unit 3N (Unit 3N), and includes the legal description for Unit 3N as well. However, the common address listed on the deed is 4005 South Calumet Avenue, Unit 3S, reflecting the same nonexistent address that was in the sale contract. Transfer tax declarations filed with the state, county, and city also include this incorrect address as well as the PIN for Unit 2N. After purchasing the property, Mr. Drink moved into 4007 South Calumet Avenue, Unit 3S (Unit 3S). This dispute centers around Unit 3N and Unit 3S.

¶8 Mr. Drink financed the purchase with a mortgage loan from CitiMortgage for $169,000. The mortgage agreement includes a common address of “4005-07 South Calumet Avenue, #3S,” but the PIN and legal description in that document again correspond to Unit 3N.

¶9 On September 17, 2013, Calumet executed a quit claim deed transferring its purported interest in Unit 3N to Azam Khan, with the deed recorded on January 9, 2014 (2014 Deed). On November 2, 2015, Mr. Khan transferred his interest in Unit 3N to Maryland. The 2008, 2014, and 2015 deeds all reference the PIN and legal description corresponding to Unit 3N.

¶ 10 On August 5, 2014, during a Cook County Annual Tax Sale, Fair Deal of Illinois purchased the delinquent 2012 taxes for Unit 3S, which has the PIN 20-03-111-033-1006, and on September 14, 2017, the court in the tax matter issued an order directing the issuance of a tax deed for that unit.

¶ 11 Mr. Drink has, at all relevant times, lived in Unit 3S and Maryland currently has possession of Unit 3N.

¶ 12 The following table summarizes the contents of the relevant documents and the varying common address, PIN, and legal description used in each of them.

Sale Contract 2008 Deed Mortgage Agreement Transfer Tax Declaration

4005-07 South

4005 S. Calumet,

Common Addre.ss Unit 4005-3S Calument [sic] Avenue, 4005 S. Calumet, 3S #3S

#3S

PIN 2N 3N 3N 2N

Legal Description 3N 3N

,i 13 B. Procedmal Histo1y ,i 14 On March 16, 2018, CitiM01tgage and Mr. Drink filed a three-count complaint against Maiy land for quiet title, declai·ato1y relief, and ejectment, in which they alleged that Mr. Drink held superior title to Unit 3N, subject only to the mortgage of CitiM01tgage, and was entitled to possession as well as any rent that had been collected from the tenants in Unit 3N. ,i 15 On April 26, 2019, Maiy land filed a counterclaim seeking refo1mation of the 2008 deed to reflect that Mr. Drink actually owned Unit 3S, not Unit 3N . It argued that both paities to the 2008 transaction intended to convey Unit 3S but failed to properly do so as the result of a mutual mistake in describing the prope1ty in the 2008 deed. The counterclaim was later amended to include Calumet as an additional counterplaintiff. ,i 16 On November 30, 2022, CitiM01tgage and Mr. Drink moved for sunnnai·y judgment on the counterclaim, arguing that refonnation was not pennissible because Unit 3S had been acquired by a bona.fide purchaser for value, Mr. Drink had superior title to Unit 3N, and CitiM01tgage held a valid secmity interest and was not a party to the deed that Maiy land and Calumet were attempting to refo1m. CitiM01tgage and Mr. Drink explained that the relief sought in this case was not "to make a simple con ection, but rather to fundamentally change each and every single identifier of

the property in the 2008 Warranty Deed—the legal description, the Parcel Identification Number, and the common address.” (Emphasis in original.) Because the deed contained a common address that did not exist and the description and PIN corresponding to Unit 3N, they maintained that the correct remedy was to reject the fictional common address and allow the PIN and legal description to control. According to CitiMortgage and Mr. Drink, the tax buyer did not have notice of any dispute regarding the ownership of Unit 3S and believed Mr. Drink was only a tenant. Additionally, the only reason Unit 3S was sold to a tax buyer was because Calumet abruptly stopped paying its taxes, even though it was still the record owner of the unit. In support of their argument that Mr. Drink had superior title to Unit 3N, they noted that Dennis Elahi controlled both Maryland and Calumet. CitiMortgage and Mr. Drink suggested that the conveyances between Mr. Elahi’s LLCs and Mr. Khan were shams and that the decision to abruptly stop paying the property taxes on Unit 3S was highly suspect and potentially prompted by their discovery of the errors in the 2008 deed.

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