[Cite as Redding v. Cantrell, 2022-Ohio-567.]
IN THE COURT OF APPEALS
TWELFTH APPELLATE DISTRICT OF OHIO
MADISON COUNTY
SCOTT D. REDDING, :
Appellee and Cross-Appellant, : CASE NOS. CA2020-11-020 CA2020-11-021 : - vs - OPINION : 2/28/2022
MICHELE CANTRELL, :
Appellant and Cross-Appellee. :
CIVIL APPEAL FROM MADISON COUNTY COURT OF COMMON PLEAS Case No. CV20180164
Steven E. Hillman, for appellee and cross-appellant.
Peterson Conners LLP, and Jerry E. Peer, Jr., for appellant and cross-appellee.
HENDRICKSON, J.
{¶ 1} Appellant, Michele Cantrell, appeals from the decision of the Madison County
Court of Common Pleas determining her equitable interests in a home she shared with
Scott Redding, her former romantic partner. Redding has filed a cross-appeal from that
same decision. For the reasons detailed below, we affirm the trial court's decision.
{¶ 2} On August 15, 2018, Redding filed a complaint against Cantrell alleging that
Cantrell refused to transfer her interest in 4525 US 42, West Jefferson, Ohio ("Property") Madison CA2020-11-020 CA2020-11-021
and had unjustly enriched herself by $34,000. In his complaint, Redding alleged that he
had "bought out" any interest that Cantrell had in the Property. Redding requested a
declaration that Cantrell had no interest in the Property as well as reimbursement of $34,000
that he alleged that Cantrell received in excess of her interest in the Property. Cantrell
answered denying the allegations in the complaint and filed a counterclaim seeking partition
of the Property.
{¶ 3} On January 22, 2019, Cantrell filed a motion for summary judgment and
requested a writ of partition ordering the sale of the Property. After reviewing the motion,
the trial court granted partial summary judgment in favor of Cantrell and ordered a partition
{¶ 4} The trial court appointed a commissioner who appraised the Property in
conformance with R.C. Chapter 5307. The commission report valued the Property at
$530,000. The parties do not dispute the commissioner's appraisal value.
{¶ 5} A bench trial was held on July 9, 2020, concerning the parties' equitable
interests. At the bench trial, the parties agreed that they were formerly in a romantic
relationship, but had never married. The record reveals that in 2007, Linda Cantrell,
Cantrell's mother, transferred four acres of land to Redding and Cantrell jointly with rights
of survivorship.1 Redding and Cantrell then entered into an agreement with a builder to
construct a residence on the Property.
{¶ 6} According to both parties, home construction ended in 2009 and they began
residing in the Property. Through the ensuing years, the parties made certain
improvements, including the construction of a pole barn, the installation of a deck and
fencing, and various interior home upgrades. Redding claimed that he paid for the upgrades
1. In the trial court's order for partition, the parties' survivorship interest was converted to tenants in common.
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without assistance from Cantrell and that these upgrades had cost him approximately
$93,000.
{¶ 7} In November 2016, the parties ended their romantic relationship and Cantrell
moved out of the Property. Both sides agree that Redding has been the sole occupant of
the Property since November 2016.
{¶ 8} The parties do not dispute that in April 2017, Cantrell approached Redding
about accessing some of the equity in the Property. Redding had the Property appraised
and learned that the Property had an equity valuation of $202,000. Therefore, Redding and
Cantrell agreed to obtain a $101,000 line of credit. Pursuant to the terms of the agreement
with the lender, Redding testified that he was required to pay off his existing credit card debt
prior to disbursement of those funds.
{¶ 9} On April 10, 2017, the parties refinanced the debt on the Property and
executed a mortgage for $364,700. Under the terms of the agreement, both parties were
jointly and severally liable for the debt secured by the mortgage. From the line of credit,
approximately $32,000 was used to pay the balance of Redding's credit card debt. 2 Cantrell
then received $68,000. Since November 2016, it is undisputed that Redding has paid the
mortgage, taxes, and insurance on the Property. Redding provided evidence that he paid
$108,000 for the mortgage, taxes, and insurance after Cantrell left the Property.
{¶ 10} During the hearing, Redding argued that he should be credited with an offset
for the $108,000 in payments he made on the Property for the 42 months since Cantrell
moved out. He also argued that he should be reimbursed for the approximate $93,000 in
2. There was also testimony that Redding also retained a small portion of the funds, approximately $800 for unspecified reasons. There was little elaboration on this detail during trial and Cantrell only mentions it in passing in her briefing before this court. Since there has been little effort to distinguish these sums, we will address them together.
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improvements he made on the Property. To the contrary, Cantrell argued that she should
receive credit for the approximate $32,000 used to pay off Redding's credit card debt and
that she should be permitted to offset her liability for the mortgage, taxes, and insurance
by one-half of the reasonable rental value of the Property during Redding's exclusive
possession of the Property.
{¶ 11} After taking the matter under advisement, the trial court found that Redding
was entitled an offset in the payments he solely made since Cantrell left the Property, and
which Cantrell was obligated to pay under the terms of the mortgage agreement. The trial
court determined that Cantrell elected to leave the Property and that merely leaving the
Property did not extinguish her obligations on the home loan and associated expenses. For
those same reasons, the trial court denied Cantrell's request for one-half of the reasonable
rental value of the Property. However, since both parties were responsible for those
expenses, the trial court found that Redding was only entitled to 50 percent of the obligation.
Therefore, the trial court found that Redding was entitled to a $54,000 offset in accounting
for the mortgage, taxes, and insurance.
{¶ 12} The trial court denied Redding's request for reimbursement for the funds or
investments spent on the Property, including the initial building costs, the pole barn, deck,
fencing, and interior home upgrades. The trial court stated that those contributions were
made for the parties' mutual benefit as both he and Cantrell lived in the Property for many
years. The trial court further noted that both parties were on all loan documents for the
home construction and payments came from their joint checking account. As such, the
court made the analogy that the improvements to the Property equated or were similar to
marital property and should not be taken into account in the partition action. Finally,
although the credit cards were solely in Redding's name, the trial court found that the
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charges were accumulated during their relationship and were attributable to both parties.
Therefore, the trial court denied Cantrell's request to offset the approximate $32,000 used
to pay off Redding's credit cards received as part of the home equity loan.
{¶ 13} In total, the trial court found that, prior to equitable division between the
parties, Redding was to receive: (1) $68,000 to match Cantrell's 2017 equity disbursement,
and (2) $54,000 representing one-half of the mortgage payments made exclusively by
Redding.3 The trial court then awarded Cantrell attorney fees as a result of filing the
successful partition action that she filed in her counterclaim.
{¶ 14} Since it had previously ordered partition of the Property, the trial court
provided the parties with 14 days to elect to purchase the Property at the appraised value
of $530,000. If both parties, or neither elected, the Property was to be sold at a Sheriff's
sale. Upon the sale of the Property, the trial court ordered the mortgage to be paid in full.
Thereafter, consistent with its equitable findings, the trial court ordered the first $122,000 to
Redding along with one-half of any mortgage payments made solely by him after the trial
court's order until the point of sale, then 50 percent to each party less costs, expenses, and
Cantrell's reasonable attorney fees.4 Cantrell appeals raising two assignments of error
while Redding cross-appeals raising four cross-assignments of error.
{¶ 15} Assignment of Error No. 1:
{¶ 16} THE TRIAL COURT ERRED BY FAILING TO ATTRIBUTE PLAINTIFF'S
CREDIT CARD DEBT SOLELY TO PLAINTIFF.
{¶ 17} In her first assignment of error, Cantrell argues the trial court erred by failing
3. The trial court also noted that if Redding continued to make exclusive payments on the mortgage, his interest will continue to increase by 50 percent of the payments made up until the point of sale.
4. There is no record of either party's election even though Redding, as he states in his fourth cross- assignment of error, requested ownership of the Property in his complaint and motion for summary judgment.
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to attribute Redding's credit card debt solely to him. Because Cantrell maintains that she
never used Redding's credit cards or contributed to the debt, she argues that the trial court
should have deemed the payment of the credit card balance (from the home equity loan)
as a distribution of his equity in the Property. We disagree.
{¶ 18} "Although the right to partition is controlled by statute, it has long been held to
be essentially equitable in nature." Bryan v. Looker, 94 Ohio App.3d 228, 231 (3rd Dist.
1994), citing Russell v. Russell, 137 Ohio St. 153, 157 (1940). "'[W]here the rights of the
parties are not clearly defined in law, broad equitable principles of fairness apply and will
determine the outcome of each case individually.'" Seese v. Clark, 5th Dist. Delaware No.
15 CAE 10 0087, 2016-Ohio-3443, ¶ 23, quoting In re Estate of Cogan, 123 Ohio App.3d
186, 188 (8th Dist. 1997).
{¶ 19} "'In equitable matters, the court has considerable discretion in attempting to
fashion a fair and just remedy.' * * * It has the power to fashion any remedy necessary and
appropriate to do justice in a particular case." Byers v. Robinson, 10th Dist. Franklin No.
08AP-204, 2008-Ohio-4833, ¶ 57, quoting McDonald & Co. Sec., v. Alzheimer's Assn., 140
Ohio App.3d 358, 366 (1st Dist. 2000). "The standard of review applicable to claims for
equitable relief is abuse of discretion." Id. An abuse of discretion occurs when the trial
court's judgment is unreasonable, arbitrary, or unconscionable. Blakemore v. Blakemore,
5 Ohio St.3d 217, 219 (1983).
{¶ 20} During trial, the parties disputed whether Redding or Cantrell accumulated the
relevant credit card debt. Cantrell maintained that the credit cards were in Redding's name
and that she never used them or accumulated any debt on those accounts. Conversely,
Redding claimed that the credit cards expenses were incurred jointly, and that Cantrell had
accumulated much of the debt. The parties do not dispute that Redding was required to
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pay off the balance of his credit cards prior to the disbursement of approximately $68,000
that went to Cantrell from the home equity loan.
{¶ 21} The trial court found that the associated credit card debts were accumulated
during the parties' relationship and there was no credible evidence that the charges were
solely attributable to one party. The court also found that the debts were ancillary to the
issue at hand, which is each party's equitable interest in the Property.
{¶ 22} On appeal, Cantrell disputes the trial court's decision and cites her testimony
that she denied using the credit cards or contributing to Redding's credit card debts. She
further cites Redding's acknowledgment that the accounts were in his name and Cantrell
was not listed as an authorized user on the accounts. Cantrell also argues that the debt
incurred was unrelated to any improvement on the Property and is not properly part of any
distribution of equity arising from the sale of the Property.
{¶ 23} Following review, we find the trial court did not abuse its discretion by
attributing the credit card payments to both parties. Although we agree that credit card
allocation is not an ordinary subject of a partition action, the record reveals that the credit
cards were paid with proceeds from the 2017 home equity loan that became a lien on the
Property. Thus, the trial court, pursuant to its equitable powers, may determine how to
allocate debt between the parties. In this case, the trial court heard competing testimony
concerning which party accumulated the debt and whether those sums should be
attributable to both parties. The trial court found that the debts were accumulated by both
parties, thereby finding Redding's testimony more credible. Reed v. Triton Servs., Inc., 12th
Dist. Clermont No. CA2018-07-049, 2019-Ohio-1587, ¶ 59 (the trial court is in the best
position to resolve factual questions and evaluate witness credibility). This is especially
true considering the parties resided together for seven years, maintained a single
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household, and held a joint bank account. Additionally, the record reflects that Redding's
credit card debt needed to be paid as part of the agreement with the lender that Cantrell
voluntarily signed. The credit card debt was then paid from the line of credit proceeds which
both parties were liable to pay pursuant to the terms of the loan agreement. At that point,
Cantrell also became liable for the amount used to pay off the credit cards balances. There
is no evidence that Cantrell objected to this arrangement or that she entered into an
agreement with Redding making him solely responsible for this debt. Based upon this
record, we find the trial court did not err or abuse its discretion in reaching this conclusion.
The record supports the finding that both parties contributed to this debt and it therefore
should be attributable to both parties. Cantrell is not entitled to a separate offset for those
payments. As a result, we find Cantrell's first assignment of error is without merit and
overuled.
{¶ 24} Assignment of Error No. 2:
{¶ 25} THE TRIAL COURT ERRED BY CREDITING APPELLEE-PLAINTIFF WITH
½ MORTGAGE PAYMENTS FROM THE DATE OF HIS SOLE OCCUPANCY BEGAN AND
NOT CREDITING APPELLANT-DEFENDANT WITH ½ REASONABLE RENTAL VALUE
OF PROPERTY.
{¶ 26} In her second assignment of error, Cantrell alleges the trial court erred by
crediting Redding with 50 percent of the mortgage payments, and other associated
expenses, while failing to offset that figure with 50 percent of the reasonable rental value of
the Property. Based upon the evidence presented, we find that the trial court did not err in
denying Cantrell's request.
{¶ 27} Initially, we agree with Cantrell that a cotenant out of possession is entitled to
reasonable rental. As our sister district has explained:
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A cotenant out of possession is entitled to his share of the reasonable rental value of the property exclusively used by the other cotenant. However, the party seeking rent bears the burden of establishing the reasonable rental value of the property in question.
Burchfield v. Whaley, 4th Dist. Hocking No. 00CA02, 2001-Ohio-2659, *7 (Citations
omitted). See Modic v. Modic, 91 Ohio App.3d 775, 779, (8th Dist.1993).
{¶ 28} Ordinarily, testimony as to property value is not competent and admissible
unless it is the professional opinion of an expert. Worthington City Schools Bd. of Edn. v.
Franklin Cty. Bd. of Revision, 140 Ohio St.3d 248, 2014-Ohio-3620, ¶ 18. However, "Ohio
law has long recognized that an owner of either real or personal property is, by virtue of
such ownership, competent to testify as to the market value of the property." Smith v.
Padgett, 32 Ohio St.3d 344, 347 (1987).
{¶ 29} The owner-opinion rule allows the property owner to testify primarily as a fact
witness about his or her own property. Worthington City Schools at ¶ 19. "Consequently,
the finder of fact 'is vested with wide discretion in determining the weight to be given to
evidence and the credibility of witnesses which come before [it].'" Omran v. Lucas, 7th Dist.
Mahoning No. 21 MA 0031, 2021-Ohio-4592, ¶ 75, quoting Cardinal Fed. S. & L. Assn. v.
Cuyahoga Cty. Bd. of Revision, 44 Ohio St.2d 13 (1975), paragraph three of the syllabus.
"[T]here is no requirement that the finder of fact accept [the owner's value] as the true value
of the property." WJJK Investments, Inc. v. Licking Cty. Bd. of Revision, 76 Ohio St.3d 29,
32 (1996).
{¶ 30} During the bench trial, the parties agreed that Redding had been in sole
possession of the Property since November 2016. Cantrell had the burden of establishing
the reasonable rental value of the property during the period of time in which Redding was
in sole possession of the property. The only evidence Cantrell presented to the trial court
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was her own testimony that she believed the reasonable rental value of the Property was
between $2,900 and $3,200 per month. There was no other evidence to support this
valuation.
{¶ 31} We find the trial court did not err or abuse its discretion in making this
determination. Although Cantrell was permitted to testify about the value of the Property
under the owner-opinion rule, the trial court was free to give whatever weight it wanted to
Cantrell's testimony and was not required to accept it. See Omran, 2021-Ohio-4592 at ¶
75. With the evidence before it, the trial court did not abuse its discretion by denying
Cantrell's request for a reasonable rental value credit. Once again, the trial court, as the
trier of fact, was in the best position to weigh the evidence and assess Cantrell's credibility.
Accordingly, we find Cantrell's second assignment of error is without merit and overuled.
{¶ 32} Cross-assignment of Error No. 1:
{¶ 33} THE TRIAL COURT ERRED IN EQUATING THE PROPERY AS MARITAL
PROPERTY TO DEPRIVE THE APPELLANT OF HIS INDEPENDENT FUNDS USED IN
THE CONSTRUCTION OF THE HOUSE.
{¶ 34} Cross-assignment of Error No. 2:
{¶ 35} THE TRIAL COURT ERRED IN NOT ORDERING THE REPAYMENT TO
THE APPELLANT FOR THE $93,000 HE PAID FOR THE CONSTRUCTION OF THE
HOUSE INDEPENDENT OF THE APPELLEE.
{¶ 36} Because they are interrelated, we will address Redding's first two cross-
assignments of error together. In his first cross-assignment of error, Redding argues the
trial court erred in equating the Property as "marital property" since the parties were never
married. Redding maintains that this classification deprived him of funds that he used
during the construction of the house. In his second cross-assignment of error, Redding
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realleges the trial court erred by failing to credit him with $93,000 in improvements he made
on the Property.
{¶ 37} The trial court found that Redding's expenses in building and improving the
Property were for the parties' mutual enjoyment as both resided in the home for several
years. The court then equated the payments as "marital property" and found that the
payment should not be considered for partition.
{¶ 38} Based on our review of the record, we conclude the trial court did not err in its
resolution of this issue. Redding is correct that the Property should not be treated as
"marital property" in the domestic relations context; however, the trial court only referenced
the division of "marital property" as an analogy in rejecting Redding's arguments. Rather,
the trial court rejected Redding's claim that Redding should be credited for improvements
he made to the land for the parties' mutual benefit. The record reveals that the parties lived
on the Property for many years prior to their separation and that neither party benefited
solely from the improvements. Redding's first and second cross-assignments of error are
without merit and overuled.
{¶ 39} Cross-assignment of Error No. 3:
{¶ 40} THE TRIAL COURT ERRED BY NOT GIVING THE APPELLANT FULL
CREDIT FOR THE $108,000 HE PAID FOR THE MORTGAGE, TAXES AND INSURANCE
THEREBY PRESERVING THE PROPERTY IN DISPUTE.
{¶ 41} In his third cross-assignment of error, Redding argues the trial court erred by
failing to award him full credit for the $108,000 he paid for the mortgage, taxes, and
insurance after Cantrell left the Property and stopped making the mortgage payments.
{¶ 42} As addressed in more detail in Cantrell's second assignment of error, the trial
court did not err or abuse its discretion concerning the parties' equitable interests in the
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Property. In this case, the trial court awarded $54,000 for the mortgage, taxes, and
insurance paid by Redding, which was half the total amount paid during this period. The
trial court did not allow Cantrell to offset this amount with the reasonable rental value of the
Property. In relation to this cross-assignment of error, we once again agree that the trial
court's division was equitable and supported by the record. As correctly determined by the
trial court, Redding was responsible for half of the expenses while Cantrell was responsible
for the other half. Redding should not be permitted to recoup all of his expenses while also
enjoying exclusive use of the Property. Therefore, the trial court did not err by only crediting
Redding with a portion of the expenses he paid. Redding's third cross-assignment of error
is meritless and overuled.
{¶ 43} Cross-assignment of Error No. 4:
{¶ 44} THE TRIAL COURT ERRED BY FINDING THAT THE APPELLANT DID NOT
ELECT TO PURCHASE THE PROPERTY.
{¶ 45} In his fourth assignment of error, Redding argues that his election to purchase
the Property for the appraised value may be discerned from the allegations he made in his
complaint and in his arguments on summary judgment. However, the record reflects that
the trial court's decision requested that the parties make an election 14 days following the
issuance of its judgment entry. The record does not reflect that Redding made any such
election. Redding's fourth cross-assignment of error is therefore overruled.
{¶ 46} Judgment affirmed.
M. POWELL, P.J., and S. POWELL, J., concur.
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