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Milan · 77 m² · Apartment

Apartment at auction in Via Marocchetti 7, Milan, 77 m²

Via Marocchetti 7, Milano

The appraisal report in brief

  1. Occupancy and title

    Single lot: the property is occupied without title by the parents of the judgment debtor. No registered leases or loans for use (comodato) are recorded.

    «il bene è occupato (senza titolo) dai genitori dell’esecutata»

    Quote from the report (Italian), page 2 ↗
  2. Planning and land-registry discrepancies

    Single lot, Unit A: the appraiser states that there is no building compliance. Among the irregularities: bathroom window not shown, internal layout different from the construction deeds, balcony not shown on the plans, and lowered ceiling at the entrance at about 233 cm.

    «CORPO A – NON VI E’ LA CONFORMITA’ EDILIZIA»

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

    Single lot, Unit A: the appraiser states that there is no cadastral compliance, regarding the second entrance, the lowered ceiling and the balcony with incorrect measurements.

    «CORPO A – NON VI E’ LA CONFORMITA’ CATASTALE»

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

    Single lot, Unit A: the appraiser estimates about €3,500.00 for building regularisation and about €900.00 plus fees for cadastral regularisation. In the valuation, the price is reduced by €4,400.00 for technical costs to be borne by the buyer.

    «Corpo A: totale € 3.500,00 circa di cui circa € 3.000,00 per la pratica edilizia e circa € 500,00 di sanzione.»

    Quote from the report (Italian), page 9 ↗
  5. Unpaid condominium fees

    Single lot: unpaid condominium (condominio) charges for the last two years amount to about €5,627.27 as at 03/09/2026. The administrator also reports instalments falling due for works on the internal façade and the roof.

    «le spese non pagate negli ultimi due anni ammontano a circa € 5.627,27»

    Quote from the report (Italian), page 8 ↗
  6. Other

    Single lot: a voluntary mortgage (ipoteca volontaria) in favour of Banca Intesa San Paolo for €363,000.00 burdens the property. The appraiser lists it among the encumbrances to be cancelled by the proceedings, so it does not remain payable by the buyer.

    «Ipoteca volontaria a garanzia di mutuo (rettifica della precedente iscrizione del 2008)»

    Quote from the report (Italian), page 7 ↗
  7. State of repair

    Single lot: the sliding wooden shutters are in poor condition of maintenance. The kitchen ceiling shows superficial cracks and crazing.

    «Sistemi oscuranti con persiane scorrevoli in legno ed in cattive condizioni di manutenzione»

    Quote from the report (Italian), page 5 ↗
  8. Systems (plumbing, electrical, heating)

    Single lot: certificates of compliance for the systems have not been provided. The appraiser has not verified their compliance.

    «Certificazioni di conformità degli impianti: non fornite.»

    Quote from the report (Italian), page 5 ↗
  9. Other

    Single lot: the property unit is not accessible to wheelchair users. The lift is too narrow, and to reach it there is first a flight of stairs.

    «L’unità immobiliare NON è raggiungibile dai diversamente abili su sedia a rotelle.»

    Quote from the report (Italian), page 8 ↗
  10. Other

    Single lot: the commercial surface area is 77 m² and the free-market base price (prezzo base) for the auction is €246,000.00. The valuation applies a 5% reduction for absence of warranty for defects.

    «Riduzione del valore del 5% per assenza di garanzie per vizi:»

    Quote from the report (Italian), page 11 ↗

Automatic summary of the appraisal report (perizia): the report itself prevails. Pages read: 12 of 12. Summary of 5 November 2026. Open the report ↗

The lot

Apartment of 77 m² in Milan: base price €246,000 (€3,195/m²), occupied without title (as the notice states).

TypeApartment
Surface area77 m²
Occupancy statusOccupied without title (the court-appointed custodian frees it after the award) · from the notice
Deadline for offers01/02/2027 at 13:00 · in 88 days
Auction date02/02/2027 at 16:00
Minimum offer€184,500
Deposit10% of the price you offer
Minimum bid increment€4,000
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. 947/2025 · Court of Milan
Viewings and informationSale delegate and court-appointed custodian: Giovanna Caruso · 0276394871 · esecuzioni@avvcaruso.it

Offers due by Monday 01/02/2027 at 13:00; auction on Tuesday 02/02/2027.

Read the text of the notice

From the notice: Residential apartment with double aspect on the third floor, comprising entrance hall, kitchen, living room, bedroom and bathroom.

If this sale also gets no bids, as a rule the judge may reduce the base price (prezzo base) by up to a quarter: at the next attempt it could start from around €184,500, with a minimum offer (offerta minima) of €138,375. This is the maximum allowed by law (art. 591 c.p.c.), not a forecast: the reduction is decided by the judge and in the meantime the lot may be awarded to others.

How to take part

Digitally signed online offer sent via PEC on the Public Sales Portal. Minimum offer (offerta minima) €184,500.

  1. Book a viewing through the Public Sales Portal, using the «Book viewing» button on the official listing: by law, requests must go through there (art. 560 c.p.c.). Court-appointed custodian (custode): Giovanna Caruso · 0276394871. 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. Send the online offer via the Public Sales Portal by Monday 01/02/2027 at 13:00.
  4. Auction on Tuesday 02/02/2027 at 16:00: if you are awarded the lot, pay the balance within the terms of the notice and then the transfer decree.

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.

Source of the data: Court auction (official notice). Colpo d’Asta is a private service, not the official sale website: the notice is authoritative. Report an error or request the 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: 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: €18,450 (10% of the minimum offer, as the notice requires) or €24,600 if you offer the base price
  • Registration tax (imposta di registro): €3,790 if first home (prima casa) (2%, minimum €1,000) or €16,705 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 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: 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 €184,500: approximately €189,290–€203,705
  • Estimate starting from the minimum offer: monthly instalment of about €633 with a mortgage at 70% (€129,150) over 25 years at 3.3%; you need about €60,140 in savings: the 30% not covered by the mortgage (the deposit paid is part of it and is deducted from the price), the 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: €211,750 – €315,700

OMI values for standard homes, area “Marocchetti, Vigentino, Chiesa Rossa”, first half of 2026, normal condition, × 77 m².

After a full renovation: €323,400 – €431,200

OMI values for the same area, excellent condition, × 77 m².

What the works cost

Works€/m²Total for 77 m²
LightPainting, minor repairs, sanitary ware and doors€200 – €400€15,400 – €30,800
MediumBathroom, kitchen, flooring and upgrading of the systems€400 – €800€30,800 – €61,600
FullNew systems, window frames, flooring, bathrooms, kitchen and partition walls€700 – €1,300€53,900 – €100,100

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 €184,500 + taxes €16,705 + delegated professional €1,000 – €2,500€202,205 – €203,705€211,750 – €315,700OMI, normal condition+€8,045 – +€113,495
Fully renovate and resellminimum offer €184,500 + taxes €16,705 + delegated professional €1,000 – €2,500 + works €53,900 – €100,100€256,105 – €303,805€323,400 – €431,200OMI, excellent condition+€19,595 – +€175,095

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

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 €184,500, with a minimum offer from €138,375. 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 Milan (29,173 homes on a 4+4 open-market contract, 17.2 €/m² a month on average). Change the numbers to run your own figures.

Simulated net per year€11,781

Gross income €15,864 a year. Yield on the total cost: gross 5.9%, net 4.4%. 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 Milan ↗
  • Area value: in OMI area D18 “Marocchetti, Vigentino, Chiesa Rossa” (outlying), for standard homes in normal condition, the Italian Revenue Agency gives between €2,750 and €4,100 per m² of gross floor area. At the starting price it costs €3,195 per m², within the values of the area. For 77 m² the area range is worth between €211,750 and €315,700. Rents in the area: 11.3–15.9 €/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.
  • 23,776 homes sold in the last 4 quarters (provincial capital, MI), 54% with a mortgage. In Q2 2026: −1% on a year earlier.Italian Revenue Agency – OMI, data up to Q2 2026.
  • Average declared income in Milan: €41,865 a year.Italian Ministry of Economy and Finance, tax year 2024.

The monthly payment, as a guide

€996 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