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Nerviano · 119 m² · Apartment

Apartment at auction in Via Don Antonio Cavallotti 12, Nerviano, 119 m²

Via Don Antonio Cavallotti 12, Nerviano (Milano)

The appraisal report in brief

  1. Occupancy and title

    Lot 1: the flat is not occupied by tenants or by the debtor; it is partly furnished but not lived in. No lease contracts are on record.

    «Il CORPO A non è occupato, risulta parzialmente arredato ma non abitato.»

    Quote from the report (Italian), page 9 ↗
  2. Restrictions and easements

    Lot 1: the appraiser notes that the transcription of the tacit acceptance of inheritance of 2025 indicates heirs and shares different from those in the deed of title, with a usufruct share not assigned to anyone.

    «indica come eredi i tre figli xxxx xxxx, xxxx xxxx e xxxx e non la moglie xxxx xxxx»

    Quote from the report (Italian), page 10 ↗
  3. Other

    Lot 1: the appraiser states that the transcription of the tacit acceptance of inheritance dated 09/06/2025 was only identified during the inspection of 14/10/2025, after the notarial certificate.

    «risulta che solo nel 2025 è stata Trascritta l'accettazione tacita di eredità»

    Quote from the report (Italian), page 10 ↗
  4. Other

    Lot 1: the voluntary mortgage in favour of Credito Valtellinese for €316,800.00 is registered and must be cancelled by the foreclosure proceedings.

    «Importo ipoteca € 316.800,00 di cui € 176.000,00 di capitale»

    Quote from the report (Italian), page 11 ↗
  5. Planning and land-registry discrepancies

    Lot 1: the appraiser finds no cadastral compliance for sub-unit 717 and estimates €800.00 to resubmit the land registry record.

    «Non vi e' la conformità catastale.»

    Quote from the report (Italian), page 13 ↗
  6. Unauthorised building works

    Lot 2: the shop does not comply with SCIA 303/2023, because the external kerb is built on common space and the window alterations have not been carried out.

    «Per quanto sopra, il corpo B, risulta non conforme alla SCIA di cui sopra.»

    Quote from the report (Italian), page 13 ↗
  7. Regularisation costs

    Lot 2: the appraiser estimates approximately €5,200.00 for regularising the shop (€4,000 for the kerb and €1,200 for the openings).

    «Totale € 5.200,00 circa»

    Quote from the report (Italian), page 13 ↗
  8. State of repair

    Lot 3: the garage/storage room is in poor state of maintenance, cluttered with materials, with poor general conditions; the land (plot D) is uncultivated with abandoned objects.

    «Il box/rimessa si presenta in stato di manutenzione scarso e ingombro di vario materiale.»

    Quote from the report (Italian), page 3 ↗
  9. Planning and land-registry discrepancies

    Lot 3: for plot C the appraiser has no evidence to declare building compliance, and for plot D the cadastral record of the urban area is missing, to be resubmitted at a cost of €800.00.

    «CORPO C – non ho alcun elemento per dichiarare la conformità edilizia»

    Quote from the report (Italian), page 13 ↗
  10. Systems (plumbing, electrical, heating)

    Lots 1 and 2: no compliance certificates for the systems have been provided for any unit.

    «Certificazioni di conformità degli impianti: non fornite per nessun Corpo.»

    Quote from the report (Italian), page 8 ↗

Automatic summary of the appraisal report (perizia): the report itself prevails. Pages read: 18 of 18. Summary of 5 November 2026. Open the report ↗

The lot

Apartment of 119 m² in Nerviano: base price €84,480 (€710/m²), being vacated.

TypeApartment
Surface area119 m² (from the appraisal report)
Occupancy statusBeing vacated · from the Public Sales Portal
Deadline for offers14/12/2026 at 13:00 · in 39 days
Auction date15/12/2026 at 15:00
Minimum offer€63,360
Deposit10% of the price you offer
Minimum bid increment€1,500
Type of saleCourt sale published on the Public Sales Portal (Court of Milan)
Sale methodOnline asynchronous auction: offers and bids online over a number of days, without being present
ProceedingsR.G.E. 411/2025 · Lot 1 · Court of Milan
Viewings and informationSale delegate and court-appointed custodian: Corrado Cocivera · 0289054377 · avvocato@studiolegalecocivera.it

Offers by Monday 14/12/2026 at 13:00; auction on Tuesday 15/12/2026.

Read the text of the notice

From the notice: residential apartment on the 1st floor (first) comprising entrance/hallway, two bedrooms, living room, kitchen, bathroom and three balconies (two facing the street and one on the courtyard side).

How to take part

Online offer digitally signed and sent via certified email (PEC) on the Public Sales Portal. Minimum offer €63,360.

  1. Book the viewing through the Public Sales Portal (Portale delle Vendite Pubbliche, PVP), using the «Book viewing» button on the official listing: by law, requests go through there (art. 560 c.p.c.). Court-appointed custodian (custode): Corrado Cocivera · 0289054377. You can call the custodian with questions about the property. Read the attached appraisal report (perizia).
  2. Prepare PEC, digital signature, ID document and the bank transfer for the deposit (10% of the price you offer, as the notice requires).
  3. Submit your online offer via the Public Sales Portal by Monday 14/12/2026 at 13:00.
  4. Auction on Tuesday 15/12/2026 at 15:00: if you are awarded the lot, pay the balance within the terms of the notice, and then the transfer decree follows.

The public appraisal report, with photos and the condition of the property, is free and is among the attachments to the notice: read it before making an offer.

Official documents

Costs and conditions to factor in

The items below are the general rules for this type of sale: the exact figures are in the notice linked at the bottom.

  • Deposit: 10% of the price offered (as the notice requires), paid by bank transfer before the auction
  • Balance of the price within the deadline set by the notice (at most 120 days from the award)
  • Registration tax or VAT as in a standard sale; plus the share of the sale delegate's fee for the transfer and the costs of registering the transfer decree
  • No commission to pay to the court or the seller. If you choose our assisted service, the fee is separate and we will tell you in writing before we start
  • Anyone occupying without title will be removed by the court-appointed custodian, and the timing should be factored in

What you really need

  • Deposit: €6,336 (10% of the minimum offer, as the notice requires) or €8,448 if you offer the base price
  • Registration tax (imposta di registro): €1,367 if first home (prima casa) (2%, minimum €1,000) or €5,802 in other cases (9%, minimum €1,000), already including €100 of mortgage and cadastral taxes; if a business is being sold, VAT may apply: the notice says so. If you buy as a private individual and the sale is not subject to VAT, you can ask for the tax to be calculated on the cadastral value instead of the price: this is often much lower. Ask the sale delegate or the notary.
  • Share of the sale delegate's fee for the transfer (DM 227/2015), registration and change of ownership: approximately €1,000-€2,500
  • Indicative total budget starting from €63,360: approximately €65,727-€71,662
  • Estimate starting from the minimum offer: monthly instalment of about €217 with a 70% mortgage (€44,352) over 25 years at 3.3%; about €21,375 in savings needed: the 30% not covered by the mortgage (the deposit paid is part of it and is deducted from the price), the tax and fees
  • These are estimates based on the general rules, not a quote: the exact figure depends on the notice, your tax situation and the bank.

The investment figures

What it is worth on the market

As it is: €136,850 – €184,450

OMI values for standard homes, area “Periferia”, first half of 2026, normal condition, × 119 m².

After a full renovation: €190,400 – €226,100

OMI values for the same area, excellent condition, × 119 m².

What the works cost

Works€/m²Total for 119 m²
LightPainting, minor repairs, sanitary ware and doors€200 – €400€23,800 – €47,600
MediumBathroom, kitchen, flooring and upgrading of the systems€400 – €800€47,600 – €95,200
FullNew systems, window frames, flooring, bathrooms, kitchen and partition walls€700 – €1,300€83,300 – €154,700

Sources: idealista.it, money.it, cosedicasa.com, varesenews.it. VAT on the works, designer fees and tax incentives excluded.

The potential margin

ScenarioTotal costResaleMargin
Resell as it isminimum offer €63,360 + taxes €5,802 + delegated professional €1,000 – €2,500€70,162 – €71,662€136,850 – €184,450OMI, normal condition+€65,188 – +€114,288
Fully renovate and resellminimum offer €63,360 + taxes €5,802 + delegated professional €1,000 – €2,500 + works €83,300 – €154,700€153,462 – €226,362€190,400 – €226,100OMI, excellent conditionfrom −€35,962 to +€72,638

Estimates based on local averages and typical costs, not an appraisal or a quote: the actual condition is stated in the appraisal report.

Excludes VAT on the works, designer, tax credits, sale costs (agency) and taxes on capital gains if you resell within 5 years.

History of the lot

  1. 12 May 2026€132,000

    No bids (deserted)

  2. 22 September 2026€105,600

    No bids (deserted) · 20% lower than the previous attempt

  3. 15 December 2026€84,480

    This sale · 20% lower than the previous attempt

If this sale gets no bidders, the judge can lower the starting price by up to a quarter (art. 591 of the Code of Civil Procedure): the next attempt could start from about €63,360, with a minimum offer from €47,520. This is the maximum reduction, not a forecast.

Where it is

Position taken from the address in the notice: it may be approximate. © OpenStreetMap contributors, open the map.

If you rent it out

Starting rents estimated from rental contracts registered in 2025 in Nerviano (186 homes on a 4+4 open-market contract, 7.1 €/m² a month on average). Change the numbers to run your own figures.

Simulated net per year€7,503

Gross income €10,104 a year. Yield on the total cost: gross 11%, net 8.1%. The net figure deducts the months without a tenant and the flat-rate tax, before IMU property tax, condominium fees, maintenance and utilities.

Rents: Italian Revenue Agency – OMI, registered contracts. Total cost, vacancy, occupancy and fee are Colpo d’Asta estimates. A simulation, not a promise of return nor tax advice.

  • Area value: in OMI area D1 “Periferia” (outlying), for standard homes in normal condition, the Italian Revenue Agency gives between €1,150 and €1,550 per m² of gross floor area. At the starting price it costs €710 per m²: 38% below the minimum of the area. For 119 m² the area range is worth between €136,850 and €184,450. Rents in the area: 5.9–7.4 €/m² a month.Italian Revenue Agency – OMI, values for the first half of 2026. These are average values for the area: they do not reflect actual condition, occupancy or unauthorised works, and at auction the price can rise above the starting price.
  • 43,571 homes sold in the last 4 quarters (rest of the province, MI), 61% with a mortgage. In Q2 2026: −1% on a year earlier.Italian Revenue Agency – OMI, data up to Q2 2026.
  • Average declared income in Nerviano: €28,495 a year.Italian Ministry of Economy and Finance, tax year 2024.

The monthly payment, as a guide

€342 a month

Starting point: a mortgage of 80% of the starting price, 25 years, at the average rate of new mortgages in Italy (3.6%, ECB 2026-09). French amortisation at a fixed rate, fees and insurance excluded. Your bank sets the real rate: this is not a credit offer.

We call you back for free about this property

An agent reads the notice and the appraisal with you and explains the steps to take part. No commitment: any professional services and their costs are agreed beforehand.

The official notice of sale prevails.

At least one of email and phone is required.

We call you back for free