Farmers & Merchs. Bank v. Henley

CourtCourt of Appeals of North Carolina
DecidedAugust 20, 2025
Docket24-651
StatusPublished

This text of Farmers & Merchs. Bank v. Henley (Farmers & Merchs. Bank v. Henley) is published on Counsel Stack Legal Research, covering Court of Appeals of North Carolina primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Farmers & Merchs. Bank v. Henley, (N.C. Ct. App. 2025).

Opinion

IN THE COURT OF APPEALS OF NORTH CAROLINA

No. COA24-651

Filed 20 August 2025

Cabarrus County, No. 23CVS001271-120

FARMERS & MERCHANTS BANK, Plaintiff,

v.

JEFFREY WAYNE HENLEY and wife, BEVERLY HENLEY, Defendants.

Appeal by Defendants from order entered 16 February 2024 by Judge Matthew

B. Smith in Cabarrus County Superior Court. Heard in the Court of Appeals 26

February 2025.

Mills Law, P.A. by William L. Mills, III, for Defendant-Appellants.

Offit Kurman, P.A., by Robert B. McNeill and Zipporah B. Edwards, for Plaintiff-Appellee.

CARPENTER, Judge.

Jeffrey Wayne Henley (“Defendant-Jeffrey”) and Beverly Henley (collectively,

“Defendants”) appeal from the trial court’s 16 February 2024 order (the “Order”)

granting the motion for judgment on the pleadings filed by Farmers & Merchants

Bank (“Plaintiff”) and dismissing Defendants’ counterclaim and affirmative defenses.

On appeal, Defendants argue the trial court erred by granting Plaintiff’s motion for

judgment on the pleadings and dismissing their counterclaim and affirmative FARMERS & MERCHANTS BANK V. HENLEY

Opinion of the Court

defenses. After careful review, we affirm the Order.

I. Factual & Procedural Background

On 23 September 1998, Defendant-Jeffrey obtained approximately 3.5 acres of

land in Cabarrus County, North Carolina from Timothy Alan Hurst. Four months

later, on 11 January 1999, Defendant-Jeffrey obtained an additional 3.58 acres from

Hurst. Then, on 9 April 1999, Hurst purported to grant Defendant-Jeffrey an

easement (the “Purported Easement”) of “not more than two (2.00) acres” over Hurst’s

remaining 81.99 acres of land. The description of the Purported Easement appears

in the easement deed as follows:

This is an easement for JEFFREY WAYNE HENLEY for the total of not more than two (2.00) acres from the parcel owned by TIMOTHY ALAN HURST, single, of Cabarrus County, State of North Carolina, the parcel being identified by “Parcel Identification Number 5508-01-6168-000, S/W side Morehead Road (SR 1300), 81.99 Acres, Township #2, 02 41 01300 in the property description block of Account #3658425, NBH Number 5508-03.

This easement is granted for the sum of Ten (ten) (10) dollars and other valuable consideration, in hand paid and received, and accepted as value received.

In 2006, Defendants and Hurst entered into an agreement to collectively sell

the 3.5 acres Defendants purchased from Hurst in 1998 and approximately 72 acres

owned by Hurst (collectively, the “Property”) to Cramer Mountain Development

Company, LLC (“Cramer”). Agents for Defendants, Hurst, and Cramer executed

special warranty deeds for the Property to an entity, Moorehead I, LLC

-2- FARMERS & MERCHANTS BANK V. HENLEY

(“Moorehead”), who provided Defendants and Hurst with a promissory note secured

by a deed of trust against the Property (“Defendants’ Deed of Trust”). Thereafter,

Moorehead obtained a loan from Plaintiff evidenced by a promissory note and secured

by the Property through a deed of trust (“Plaintiff’s Deed of Trust”). On 13 March

2007, both deeds of trust were recorded against the Property.

On 1 June 2009, after Moorehead defaulted on its loan obligations, Plaintiff

initiated a power of sale foreclosure proceeding against Moorehead. Plaintiff

voluntarily dismissed the action without prejudice on 14 July 2009. Thereafter,

Plaintiff initiated a second power of sale foreclosure proceeding on 7 December 2010

(the “Prior Action”). On 24 March 2011, following an order authorizing foreclosure,

Defendants moved to intervene and for relief from judgment, which was granted by

the assistant clerk of superior court. When Plaintiff appealed the intervention order

to superior court, Defendants responded with an affidavit prepared by a forensic

document examiner identifying certain “alterations” in Defendants’ Deed of Trust.

After the appeal was dismissed as interlocutory, Plaintiff noticed the foreclosure for

re-hearing. Defendants filed another affidavit prepared by a different forensic

document examiner, identifying “handwritten alterations of the page numbers,

document number, and recording time” on Plaintiff’s Deed of Trust. Eventually, after

continued litigation, the trial court entered an order authorizing foreclosure on 10

October 2017.

On 20 October 2017, Defendants appealed to this Court arguing the foreclosure

-3- FARMERS & MERCHANTS BANK V. HENLEY

was unauthorized because Plaintiff’s Deed of Trust had been “materially altered.”

Put simply, Defendants challenged the validity of Plaintiff’s Deed of Trust. This

Court affirmed the trial court’s order authorizing foreclosure.1 In doing so, we

determined the modifications to Plaintiff’s Deed of Trust did not constitute “material

alterations” and that Defendants “produced no evidence that the text or substance of

[Plaintiff’s Deed of Trust] was altered, nor is there evidence that [Plaintiff] was

involved with the alterations.”

After acquiring title to the Property on 18 August 2020, Plaintiff filed a

complaint (the “Complaint”) against Defendants on 19 April 2023 seeking to quiet

title and obtain a declaratory judgment that no easement existed across any portion

of the Property (the “Current Action”). Plaintiff attached its deed to the Property and

Defendants’ easement deed as exhibits to its Complaint. On 11 July 2023,

Defendants answered the Complaint, asserting a counterclaim and two affirmative

defenses. Specifically, Defendants asserted the affirmative defenses of laches and

unclean hands, and in their counterclaim, requested that the trial court “define the

rights and benefits [Defendants] enjoy under the easement.” Defendants set forth

nineteen factual allegations in support of their challenges to the Complaint. In sum,

Defendants alleged Plaintiff’s Deed of Trust was procured by an alleged “fraud.” On

1 The events giving rise to the foreclosure action under Plaintiff’s Deed of Trust can be found in more

detail in a previous opinion of this Court. See In re Moorehead I, LLC, 267 N.C. App. 690, 833 S.E.2d 254 (2019) (unpublished), disc. rev. denied, 374 N.C. 434, 841 S.E.2d 533 (2020).

-4- FARMERS & MERCHANTS BANK V. HENLEY

11 December 2023, Plaintiff moved for judgment on the pleadings, arguing the

Purported Easement was void for vagueness and that Defendants’ affirmative

defenses and counterclaim were barred by the doctrines of res judicata and collateral

estoppel.

On 16 February 2024, following a hearing, the trial court entered the Order,

concluding the Purported Easement was “void and of no effect.” The trial court

further declared that “no easement exists across any portion of the Property for

Defendants’ benefit.” Finally, the trial court dismissed Defendants’ affirmative

defenses and counterclaim with prejudice. On 7 March 2023, Defendants filed

written notice of appeal.

II. Jurisdiction

This Court has jurisdiction under N.C. Gen. Stat. § 7A-27(b)(1) (2023).

III. Issues

The issues are whether the trial court erred by granting Plaintiff’s motion for

judgment on the pleadings and dismissing Defendants’ affirmative defenses and

counterclaim.

IV. Analysis

A. Rule 12(c)

First, Defendants assert the trial court erred by granting Plaintiff’s motion for

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