Via Monviso 115, Garbagnate Milanese (Milano)
Photos published with the sale documents. The official notice prevails.
Lot 001: the property is occupied by the foreclosed debtor and his family. Checks with the Italian Revenue Agency (Agenzia delle Entrate) found no lease or loan-for-use agreement.
«Alla data del sopralluogo l'immobile è risultato occupato dall’esecutato e dalla»
Lot 001: the appraiser states that the building irregularities are the absence of part of the kitchen wall and of the entire living room wall, and that they can be regularised with a CILA regularisation filing. He also states that the property is non-compliant but can be regularised.
«L'immobile risulta non conforme, ma regolarizzabile.»
Lot 001: the cadastral floor plan shows the kitchen and living room separated by the corridor, whereas on site the wall is not there. The appraiser indicates a DOCFA filing for internal modifications as the cadastral regularisation.
«la planimetria catastalle riporta cucina e sala separate dal corridoio mentre in loco non è presente»
Lot 001: the appraiser warns that any unauthorised nature of the works could make future disposal deeds void, and that it is up to whoever takes part in the auction to check whether the works are irregularisable or can be regularised.
«anche tale da poter comportare la nullità»
Lot 001: arrears owed to the condominium as at 31/03/2025 amount to €26,401.18, of which about €6,000.00 relates to the last two approved years.
«l’ammontare complessivo delle morosità nei confronti del condominio alla data del»
Lot 001: the appraiser notes clear and widespread signs of damp on the upper part of the walls and on the bathroom ceiling.
«manifestao evidenti e diffuse tracce di umidi-»
Lot 001: the appraiser estimates technical costs and building regularisation charges at €3,500.00, and technical costs and cadastral rights at €600.00.
«costi tecnici ed oneri di sanatoria: €.3.500,00»
Lot 001: a voluntary mortgage in favour of Banco BPM, for €221,260.14, weighs on the property. The appraisal report lists it as to be cancelled by the procedure.
«Importo ipoteca: € 221.260,14.»
Lot 001: the appraiser states that the costs of the necessary regularisations, including those not reported, are considered already valued in the price, and that further technical and documentary checks to be carried out before purchase remain the buyer's responsibility.
«Rimangono a carico del potenziale acquirente ulteriori verifiche tecniche/documentali da»
Automatic summary of the appraisal report (perizia): the report itself prevails. Pages read: 19 of 19. Summary of 5 November 2026. Open the report ↗
104 m² apartment with cellar in Garbagnate Milanese: base price €149,000 (€1,425/m²), occupied (the notice says so).
| Type | Apartment |
|---|---|
| Surface area | 104 m² |
| Occupancy status | Occupied: who lives there and on what basis is set out in the appraisal report · from the notice |
| Deadline for offers | 22/12/2026 at 13:00 · in 47 days |
| Auction date | 23/12/2026 at 15:00 |
| Minimum offer | €111,750 |
| Deposit | 10% of the price you offer |
| Minimum bid increment | €2,000 |
| Type of sale | Court sale by the Court of Milan, with online tender on the notaries' portal (Notartel) |
| Sale method | Online asynchronous auction: offers and bids online over a number of days, without being present |
| Proceedings | R.G.E. 609/2024 · Court of Milan |
| Viewings and information | Sale delegate and court-appointed custodian: Katia Muscatella · 3495867992 · katia_muscatella@hotmail.it |
Offers by Tuesday 22/12/2026 at 13:00; auction on Wednesday 23/12/2026.
From the notice: Apartment for residential use, located on the sixth floor, comprising a kitchen with dining area, living room, hallway, two bedrooms, bathroom, storage room and two balconies, and an ancillary cellar located on the basement floor.
If this sale also goes unsold, the judge can generally reduce the base price by up to a quarter: at the next attempt it could start from about €111,750, with a minimum offer (offerta minima) of €83,812. 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.
Online offer digitally signed and sent via certified email (PEC) on the Public Sales Portal (Portale delle Vendite Pubbliche, PVP). Minimum offer (offerta minima) €111,750.
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.
The documents remain on the servers of the seller: here you will only find the link.
Official listing on the Public Sales Portal (book the viewing)
Source of data: judicial auction (official notice). Colpo d’Asta is a private service, not the official sale website: the notice is the authoritative source. Report an error or request removal of this listing.
The items below are the general rules for this type of sale: the exact figures are in the notice linked at the bottom.
As it is: €141,196 – €203,950
OMI values for standard homes, area “I Maggio, Bariana, Enrico Fermi”, first half of 2026, normal condition, × 105 m².
After a full renovation: €209,180 – €256,246
OMI values for the same area, excellent condition, × 105 m².
| Works | €/m² | Total for 105 m² |
|---|---|---|
| LightPainting, minor repairs, sanitary ware and doors | €200 – €400 | €20,918 – €41,836 |
| MediumBathroom, kitchen, flooring and upgrading of the systems | €400 – €800 | €41,836 – €83,672 |
| FullNew systems, window frames, flooring, bathrooms, kitchen and partition walls | €700 – €1,300 | €73,213 – €135,967 |
Sources: idealista.it, money.it, cosedicasa.com, varesenews.it. VAT on the works, designer fees and tax incentives excluded.
| Scenario | Total cost | Resale | Margin |
|---|---|---|---|
| Resell as it isminimum offer €111,750 + taxes €10,158 + delegated professional €1,000 – €2,500 | €122,908 – €124,408 | €141,196 – €203,950OMI, normal condition | +€16,789 – +€81,043 |
| Fully renovate and resellminimum offer €111,750 + taxes €10,158 + delegated professional €1,000 – €2,500 + works €73,213 – €135,967 | €196,120 – €260,374 | €209,180 – €256,246OMI, excellent condition | from −€51,194 to +€60,125 |
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.
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 €111,750, with a minimum offer from €83,813. This is the maximum reduction, not a forecast.
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Position taken from the address in the notice: it may be approximate. © OpenStreetMap contributors, open the map.
Starting rents estimated from rental contracts registered in 2025 in Garbagnate Milanese (247 homes on a 4+4 open-market contract, 8 €/m² a month on average). Change the numbers to run your own figures.
Gross income €9,996 a year. Yield on the total cost: gross 6.2%, net 4.6%. 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.
€603 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.
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.
Grezzago · Via Lazio 1
Apartment · 71.5 m²
€1,287/m²
Mortgage ≈ €372 a month (Indicative payment: a mortgage of 80% of the starting price over 25 years at the ECB average rate. Not a credit offer.)
Milan · Via Lattanzio 68
Apartment · 157 m²
€6,166/m²
Mortgage ≈ €3,918 a month (Indicative payment: a mortgage of 80% of the starting price over 25 years at the ECB average rate. Not a credit offer.)
Corsico · Via Fiume Angolo Via Monti
Apartment · 115 m²
€2,417/m²
Mortgage ≈ €1,125 a month (Indicative payment: a mortgage of 80% of the starting price over 25 years at the ECB average rate. Not a credit offer.)
Milan · Via Marocchetti 7
Apartment · 77 m²
€3,195/m²
Mortgage ≈ €996 a month (Indicative payment: a mortgage of 80% of the starting price over 25 years at the ECB average rate. Not a credit offer.)
