Cogliate · 109 m² · Apartment

Apartment with garage at auction in Via Isonzo 4, Cogliate, 109 m²

Via Isonzo 4, Cogliate (Monza e della Brianza)

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

The lot

Apartment of 109 m² with garage in Cogliate: base price €142,900 (€1,311/m²), occupied by the debtor (as the notice states).

Type	Apartment
Surface area	109 m²
Occupancy status	Occupied by the debtor (vacated after the transfer decree) · from the notice
Deadline for offers	18/11/2026 at 13:00 · in 13 days
Auction date	20/11/2026 at 10:00
Minimum offer	€107,175
Deposit	10% of the price you offer
Minimum bid increment	€1,000
Type of sale	Court-ordered sale published on the Public Sales Portal (Court of Monza)
Sale method	Synchronous online auction: live online bidding at a fixed time
Proceedings	R.G.E. 291/2025 · Lot 1 · Court of Monza
Viewings and information	Sale delegate and court-appointed custodian: Mario Gamba · 0399631131 · info@gambaeassociati.it

Offers by Wednesday 18/11/2026 at 13:00; auction on Friday 20/11/2026.

Read the text of the notice

From the notice: Apartment of 109.00 m² located on the ground floor, laid out as follows: entrance hall, kitchen, bedroom, bathroom, another bedroom, living room, with an adjoining garage on the ground floor.

How to take part

Online bid digitally signed and submitted by certified email (PEC) via the Public Sales Portal (Portale delle Vendite Pubbliche, PVP). Minimum offer €107,175.

Book the 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: Mario Gamba · 0399631131. You can call the custodian with questions about the property. Read the attached appraisal report.
Prepare PEC, digital signature, ID document and the bank transfer for the deposit (10% of the price you offer, as the notice requires).
Submit the online offer on the Public Sales Portal by Wednesday 18/11/2026 at 13:00.
Auction on Friday 20/11/2026 at 10:00: if you win the lot, pay the balance within the time limits set out in 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

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)

Data source: Judicial auction (asta giudiziaria) (official notice). Colpo d’Asta is a private service, not the official website of the sale: the notice is what counts. 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: 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
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: €10,718 (10% of the minimum offer, as the notice requires) or €14,290 if you offer the base price
Registration tax (imposta di registro): €2,244 if first home (prima casa) (2%, minimum €1,000) or €9,746 in other cases (9%, minimum €1,000), already including €100 of mortgage and cadastral taxes; if a business 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: it 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 €107,175: approx. €110,419–€119,421
Estimate starting from the minimum offer: monthly instalment of about €368 with a 70% mortgage (€75,022) over 25 years at 3.3%; about €35,396 of savings needed: the 30% not covered by the mortgage (the deposit paid is part of this 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: €114,450 – €152,600

OMI values for abitazioni civili, area “Intero Centro Urbano”, first half of 2026, normal condition, × 109 m².

After a full renovation: €158,050 – €207,100

OMI values for the same area, excellent condition, × 109 m².

What the works cost

Works	€/m²	Total for 109 m²
LightPainting, minor repairs, sanitary ware and doors	€200 – €400	€21,800 – €43,600
MediumBathroom, kitchen, flooring and upgrading of the systems	€400 – €800	€43,600 – €87,200
FullNew systems, window frames, flooring, bathrooms, kitchen and partition walls	€700 – €1,300	€76,300 – €141,700

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 €107,175 + taxes €9,746 + delegated professional €1,000 – €2,500	€117,921 – €119,421	€114,450 – €152,600OMI, normal condition	from −€4,971 to +€34,679
Fully renovate and resellminimum offer €107,175 + taxes €9,746 + delegated professional €1,000 – €2,500 + works €76,300 – €141,700	€194,221 – €261,121	€158,050 – €207,100OMI, excellent condition	from −€103,071 to +€12,879

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

3 July 2026€190,523
No bids (deserted)
20 November 2026€142,900
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 €107,175, with a minimum offer from €80,381. 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 Cogliate (39 homes on a 4+4 open-market contract, 6.3 €/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€6,158

Gross income €8,292 a year. Yield on the total cost: gross 5.3%, net 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

Area value: in OMI area B1 “Intero Centro Urbano” (centrale), for abitazioni civili in normale condition, the Italian Revenue Agency gives between €1,050 and €1,400 per m² of lorda floor area. At the starting price it costs €1,311 per m², within the values of the area. For 109 m² the area range is worth between €114,450 and €152,600. Rents in the area: 4.2–5.9 €/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.
Average declared income in Cogliate: €28,199 a year.Italian Ministry of Economy and Finance, tax year 2024.

The monthly payment, as a guide

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

€578 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.