Pozzo d'Adda · 88.2 m² · Apartment

Apartment with cellar at auction in Via Risorgimento 18, Pozzo d'Adda, 88 m²

Via Risorgimento 18, Pozzo d'Adda (Milano)

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

The lot

Apartment of 88 m² with cellar in Pozzo d'Adda: base price €103,500 (€1,173/m²), vacant (as stated in the notice).

Type	Apartment
Surface area	88 m²
Occupancy status	Vacant · from the notice
Deadline for offers	09/11/2026 at 13:00 · in 4 days
Auction date	10/11/2026 at 14:30
Minimum offer	€77,625
Deposit	10% of the price you offer
Minimum bid increment	€2,000
Type of sale	Court sale published on the Public Sales Portal (Court of Milan)
Sale method	Online asynchronous auction: offers and bids online over a number of days, without being present
Proceedings	R.G.E. 892/2025 · Court of Milan
Viewings and information	Sale delegate: Federica Sangiovanni · 0239400658 · info@studiolegalesangiovanni.it

Offers by Monday 09/11/2026 at 13:00; auction on Tuesday 10/11/2026.

Read the text of the notice

From the notice: Full ownership: residential apartment of 88.2 commercial m² with triple aspect, on the raised ground floor, comprising three rooms plus services and a balcony, with an attached cellar on the semi-basement floor.

If this auction also receives no bids (asta deserta), the judge can normally reduce the base price by up to a quarter: at the next attempt it could start from around €77,625, with a minimum offer (offerta minima) of €58,219. 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

Online offer digitally signed via PEC on the Public Sales Portal. Minimum offer (offerta minima): €77,625.

Book the viewing via 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.). For questions about the property, the contact is the sale delegate (delegato alla vendita): Federica Sangiovanni · 0239400658. Read the attached appraisal report (perizia).
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 Monday 09/11/2026 at 13:00.
Auction on Tuesday 10/11/2026 at 14:30: if you are awarded the lot, pay the balance within the terms of the notice and then the transfer decree (decreto di trasferimento).

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 the viewing)

Source of data: judicial auction (official notice). Colpo d’Asta is a private service, not the official website of the sale: 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

What you really need

Deposit (cauzione): €7,762 (10% of the minimum offer, as the notice requires) or €10,350 if you bid the base price
Registration tax (imposta di registro): €1,652 if first home (prima casa) (2%, minimum €1,000) or €7,086 in other cases (9%, minimum €1,000), already including €100 in mortgage and cadastral taxes; if a business is being sold, 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 instead of the price: often it is much lower. Ask the sale delegate (delegato alla vendita) or the notary.
With the price-value (cadastral income €289.22), the tax would be about €1,100 for a first home / €3,380 for a second home, always including mortgage and cadastral taxes: ask the sale delegate.
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 €77,625: about €80,277-€87,211
Estimate starting from the minimum offer: monthly instalment of about €266 with a 70% mortgage (€54,338) over 25 years at 3.3%; you need about €25,940 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: €123,480 – €158,760

OMI values for standard homes, area “Centro Urbano”, first half of 2026, normal condition, × 88 m².

After a full renovation: €158,760 – €207,270

OMI values for the same area, excellent condition, × 88 m².

What the works cost

Works	€/m²	Total for 88 m²
LightPainting, minor repairs, sanitary ware and doors	€200 – €400	€17,640 – €35,280
MediumBathroom, kitchen, flooring and upgrading of the systems	€400 – €800	€35,280 – €70,560
FullNew systems, window frames, flooring, bathrooms, kitchen and partition walls	€700 – €1,300	€61,740 – €114,660

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 €77,625 + taxes €7,086 + delegated professional €1,000 – €2,500	€85,711 – €87,211	€123,480 – €158,760OMI, normal condition	+€36,269 – +€73,049
Fully renovate and resellminimum offer €77,625 + taxes €7,086 + delegated professional €1,000 – €2,500 + works €61,740 – €114,660	€147,451 – €201,871	€158,760 – €207,270OMI, excellent condition	from −€43,111 to +€59,819

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

10 November 2026€103,500
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 €77,625, with a minimum offer from €58,219. 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 Pozzo d'Adda (51 homes on a 4+4 open-market contract, 7.8 €/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€6,113

Gross income €8,232 a year. Yield on the total cost: gross 7.3%, net 5.4%. 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 Pozzo d'Adda ↗

Area value: in OMI area B1 “Centro Urbano” (central), for standard homes in normal condition, the Italian Revenue Agency gives between €1,400 and €1,800 per m² of gross floor area. At the starting price it costs €1,173 per m²: 16% below the minimum of the area. For 88.2 m² the area range is worth between €123,480 and €158,760. Rents in the area: 6.2–8.1 €/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 Pozzo d'Adda: €28,536 a year.Italian Ministry of Economy and Finance, tax year 2024.

The monthly payment, as a guide

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

€419 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.