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Bresso · 156 m² · Apartment

Apartment with garage at auction in Via Ambrogio Strada 78, Bresso, 156 m²

Via Ambrogio Strada 78, Bresso (Milano)

The appraisal report in brief

  1. Occupancy and title

    The property is occupied by the debtor (esecutata), that is, the owner subject to foreclosure proceedings (procedura esecutiva). The appraiser does not indicate any other occupancy rights.

    «Occupato dall’esecutata.»

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

    The appraiser finds a planning irregularity: the bathroom has been enlarged. The appraiser writes that any buyer may regularise it through a building application or regularisation (sanatoria), and that there is also a cadastral discrepancy.

    «si evince una difformità, è stato ampliato il bagno.»

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

    The appraiser indicates an estimated cost of €3,000.00 for paperwork, oblazione payment, cadastral update and professional fees.

    «hanno un costo indicativo di Euro 3.000,00»

    Quote from the report (Italian), page 3 ↗
  4. Unpaid condominium fees

    The appraiser indicates overdue and unpaid condominium charges of €12,755.26 as at the date of the appraisal report, plus registration tax, interest and other sums. He also writes that updated statements were not received from the condominium administrator.

    «Spese condominiali scadute ed insolute alla data della perizia: € 12.755,26»

    Quote from the report (Italian), page 3 ↗
  5. Restrictions and easements

    The land mortgage (mutuo fondiario) granted in 2007 to the debtor is listed among the encumbrances that will remain charged to the buyer.

    «Ricorso per Intervento - In data 04/09/2007 è stato concesso alla»

    Quote from the report (Italian), page 3 ↗
  6. State of repair

    The appraiser writes that the roof has not been checked and that some structures and systems have not been verified as being in good order. The building is described as being in normal state of maintenance.

    «Condizioni: non verificata.»

    Quote from the report (Italian), page 6 ↗
  7. Systems (plumbing, electrical, heating)

    The appraiser writes that the condition of the gas supply was not checked and that the certifications of the systems are not known. The sewer was not inspected.

    «Condizioni: non verificate.»

    Quote from the report (Italian), page 7 ↗
  8. Other

    The appraiser indicates that the property is difficult to divide and that dividing it would not be practical.

    «appare difficoltosa la divisibilità, in quanto non risulta comoda»

    Quote from the report (Italian), page 9 ↗
  9. Regularisation costs

    The appraiser indicates a reduction in value of €8,330.00 and a cost of €6,000.00 for unpaid charges for the two-year condominium period. The appraiser also indicates a technical regularisation cost of €3,000.00.

    «Spese insolute biennio condominio: - € 6.000,00»

    Quote from the report (Italian), page 9 ↗

Automatic summary of the appraisal report (perizia): the report itself prevails. Pages read: 10 of 10. Summary of 5 November 2026. Open the report ↗

The lot

156 m² apartment with garage in Bresso: base price €150,000 (€962/m²), occupied by the debtor (as stated in the notice).

TypeApartment
Surface area156 m² (from the appraisal report)
Occupancy statusOccupied by the debtor (vacated after the transfer decree) · from the notice
Deadline for offers25/01/2027 at 13:00 · in 81 days
Auction date26/01/2027 at 14:00
Minimum offer€112,500
Depositat least 10% of the price you offer: the exact percentage is in the notice
Minimum bid increment€2,500
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. 1277/2020 · Court of Milan
Viewings and informationSale delegate and court-appointed custodian: Laura Chillè · 0297132480 · laurachille@hotmail.it

Offers by Monday 25/01/2027 at 13:00; auction on Tuesday 26/01/2027.

Read the text of the notice

From the notice: First-floor apartment comprising entrance/hallway, kitchen, two bedrooms, living/dining room, bathroom, storage room and balcony, plus a garage space on the semi-basement floor.

If this sale also receives no bids, as a rule the judge can reduce the base price (prezzo base) by up to a quarter: at the next attempt it could start from about €112,500, with a minimum offer (offerta minima) from €84,375. 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 someone else.

How to take part

Online offer digitally signed and sent by certified email (PEC) via the Public Sales Portal (Portale Vendite Pubbliche). Minimum offer €112,500.

  1. Book the viewing via the Public Sales Portal, using the «Book viewing» button on the official listing: by law, requests go through there (art. 560 c.p.c.). Court-appointed custodian (custode): Laura Chillè · 0297132480. You can call the custodian with questions about the property. Read the attached appraisal report (perizia).
  2. Prepare PEC, digital signature, document and the bank transfer for the deposit (cauzione) (the percentage is in the notice, often 10%).
  3. Submit your online bid on the Public Sales Portal by Monday 25/01/2027 at 13:00.
  4. Auction on Tuesday 26/01/2027 at 14:00: 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

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 paid by bank transfer before the auction: the percentage is set by the notice (often 10%, sometimes 20%), so check it before paying
  • 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
  • Occupied by the debtor: the court-appointed custodian handles the vacating on the judge's order; allow a few months before you can move in

What you really need

  • Deposit: the notice sets the percentage (often 10%, sometimes 20%): check it before making the bank transfer
  • Registration tax (imposta di registro): €2,350 if first home (prima casa) (2%, minimum €1,000) or €10,225 in other cases (9%, minimum €1,000), already including €100 in mortgage and cadastral taxes; if a company is selling, VAT may apply: the notice says so. If you are buying 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 rather than on the price: it is often much less. Ask the sale delegate (delegato alla vendita) 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 €112,500: approximately €115,850-€125,225
  • Estimate starting from the minimum offer (offerta minima): monthly instalment of about €386 with a 70% mortgage (€78,750) over 25 years at 3.3%; you need about €37,100 in savings: the 30% not covered by the mortgage (the deposit paid (cauzione) is part of it and is deducted from the price), tax and fees; estimate with a 10% deposit
  • 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: €288,600 – €358,800

OMI values for standard homes, area “Aeroporto, Bologna, Brodolini, Carolina Romani”, first half of 2026, normal condition, × 156 m².

After a full renovation: €366,600 – €460,200

OMI values for the same area, excellent condition, × 156 m².

What the works cost

Works€/m²Total for 156 m²
LightPainting, minor repairs, sanitary ware and doors€200 – €400€31,200 – €62,400
MediumBathroom, kitchen, flooring and upgrading of the systems€400 – €800€62,400 – €124,800
FullNew systems, window frames, flooring, bathrooms, kitchen and partition walls€700 – €1,300€109,200 – €202,800

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 €112,500 + taxes €10,225 + delegated professional €1,000 – €2,500€123,725 – €125,225€288,600 – €358,800OMI, normal condition+€163,375 – +€235,075
Fully renovate and resellminimum offer €112,500 + taxes €10,225 + delegated professional €1,000 – €2,500 + works €109,200 – €202,800€232,925 – €328,025€366,600 – €460,200OMI, excellent condition+€38,575 – +€227,275

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. 26 January 2027€150,000

    This sale

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 €112,500, with a minimum offer from €84,375. 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 Bresso (199 homes on a 4+4 open-market contract, 10.5 €/m² a month on average). Change the numbers to run your own figures.

Simulated net per year€14,561

Gross income €19,608 a year. Yield on the total cost: gross 12%, net 8.9%. 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 Bresso ↗
  • Area value: in OMI area D1 “Aeroporto, Bologna, Brodolini, Carolina Romani” (outlying), for standard homes in normal condition, the Italian Revenue Agency gives between €1,850 and €2,300 per m² of gross floor area. At the starting price it costs €962 per m²: 48% below the minimum of the area. For 156 m² the area range is worth between €288,600 and €358,800. Rents in the area: 7.8–10.4 €/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 Bresso: €29,020 a year.Italian Ministry of Economy and Finance, tax year 2024.

The monthly payment, as a guide

€607 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