Trescore Balneario · 123 m² · Apartment

Apartment at auction in Via Fornaci, Trescore Balneario, 123 m²

Via Fornaci, Trescore Balneario (Bergamo)

Photos published with the sale documents. The official notice prevails.

The lot

Apartment of 123 m² in Trescore Balneario: base price €43,691 (€355/m²).

Type	Apartment
Surface area	123 m² cadastral area (from the notice)
Occupancy status	not stated in the notice: it is in the appraisal report
Deadline for offers	14/12/2026 at 12:00 · in 39 days
Auction date	15/12/2026 at 15:15
Deposit	10% of the price you offer
Minimum bid increment	€2,000
Type of sale	Competitive sale in insolvency proceedings (Court of Milan), published on the Public Sales Portal
Sale method	Synchronous online auction: live online bidding at a fixed time
Proceedings	Judicial liquidation no. 322/2025 · Lot 2 · Court of Milan
Viewings and information	Receiver: Paola Maria Grossini · 028360156 · paolagrossini@tin.it
Viewings and information	Sale operator: SPA Gruppo Edicom · 0415369911 · info@doauction.com

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

Read the text of the notice

From the notice: APARTMENT, 2nd-floor attic of a two-storey building in Trescore Balneario (BG) via Fornaci 7, Ownership 1/1.

How to take part

Irrevocable offer as set out in the disciplinare (specifications), online on the Public Sales Portal or on the website of the sale manager. The minimum offer (offerta minima) is normally 75% of the base price (prezzo base), if the notice allows it.

This is a competitive sale managed by the receiver: read the terms of sale, which set out where and how the offer must be delivered. To visit the property, contact the receiver: Paola Maria Grossini · 028360156.
The irrevocable offer is submitted as indicated in the sale rules, online on the Public Sales Portal or on the website of the sale operator by Monday 14/12/2026 at 12:00.
If you are awarded the lot (aggiudicazione), you pay the balance within the deadlines set out in the disciplinare and sign the notarial deed (rogito) with the notary; mortgages and seizures are then cancelled by decree of the delegated judge.

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

The documents remain on the servers of the seller: here you will only find the link.

Official listing on the Public Sales Portal (book a viewing)

Source of data: Judicial auction (official notice). Colpo d’Asta is a private service, not the official sale website: the notice prevails. Report an error or request removal of this listing.

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 (cauzione): 10% of the offered price, as set out in the sale rules
Balance payable under the disciplinare terms
Notary's fee for the notarial deed, payable by the buyer
Registration tax as in a normal sale; if the company in the proceedings is selling business assets, the sale may be subject to VAT (IVA): check the disciplinare
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

What you really need

Deposit: €4,369 (10% of the base price, as the notice requires)
Registration tax (imposta di registro): €1,100 if first home (prima casa) (2%, minimum €1,000) or €4,032 in other cases (9%, minimum €1,000), already including €100 of mortgage and cadastral taxes; if a company is selling, VAT may apply: the notice will say 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.
With the price-value (cadastral income €503.55) the tax would be about €1,263 for a first home / €5,810 for a second home, always including mortgage and cadastral taxes: ask the sale delegate.
Notary's fee for the notarial deed (payable by the buyer), transcription and change of ownership: approximately €1,000-€2,500, more for higher amounts
Indicative total budget starting from €43,691: about €45,791–€50,223
Estimate starting from the base price: monthly instalment of about €150 with a 70% mortgage (€30,584) over 25 years at 3.3%; about €15,207 in savings needed: the 30% not covered by the mortgage (the deposit paid is part of it and is deducted from the price), the registration tax and the 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: €141,450 – €209,100

OMI values for standard homes, area “Centro Abitato”, first half of 2026, normal condition, × 123 m².

What the works cost

Works	€/m²	Total for 123 m²
LightPainting, minor repairs, sanitary ware and doors	€200 – €400	€24,600 – €49,200
MediumBathroom, kitchen, flooring and upgrading of the systems	€400 – €800	€49,200 – €98,400
FullNew systems, window frames, flooring, bathrooms, kitchen and partition walls	€700 – €1,300	€86,100 – €159,900

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

The potential margin

Scenario	Total cost	Resale	Margin
Resell as it isminimum offer €43,691 + taxes €4,032 + delegated professional €1,000 – €2,500	€48,723 – €50,223	€141,450 – €209,100OMI, normal condition	+€91,227 – +€160,377

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.

For this area the Italian Revenue Agency does not publish the value of homes in excellent condition: the margin after the works cannot be estimated.

History of the lot

5 May 2026€64,728
No bids (deserted)
16 September 2026€58,255
No bids (deserted) · 10% lower than the previous attempt
15 December 2026€43,691
This sale · 25% 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 €32,768, with a minimum offer from €24,576. This is the maximum reduction, not a forecast.

Where it is

If you rent it out

Starting rents estimated from rental contracts registered in 2025 in Trescore Balneario (106 homes on a 4+4 open-market contract, 6.1 €/m² a month on average). Change the numbers to run your own figures.

Monthly rent (€)Months without a tenant (% of the year)Flat-rate rental tax (%)Total cost: price, taxes, works (€)

Simulated net per year€6,737

Gross income €9,072 a year. Yield on the total cost: gross 19%, net 14.1%. 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.

The market here

Auctions in Trescore Balneario ↗

Area value: in OMI area B2 “Centro Abitato” (central), for standard homes in normal condition, the Italian Revenue Agency gives between €1,150 and €1,700 per m² of gross floor area. At the starting price it costs €355 per m²: 69% below the minimum of the area. For 123 m² the area range is worth between €141,450 and €209,100. Rents in the area: 6–9 €/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.
14,949 homes sold in the last 4 quarters (rest of the province, BG), 49% with a mortgage. In Q2 2026: −3% on a year earlier.Italian Revenue Agency – OMI, data up to Q2 2026.
Average declared income in Trescore Balneario: €28,166 a year.Italian Ministry of Economy and Finance, tax year 2024.

The monthly payment, as a guide

Loan amount (€)Term (years)Assumed interest rate (%)

€177 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.