Monza · 118 m² · Apartment

Apartment with cellar at auction in Via Tommaseo 5, Monza, 118 m²

Via Tommaseo 5, Monza (Monza e della Brianza)

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

The lot

Apartment of 118 m² with cellar in Monza: base price €145,000 (€1,229/m²), occupied (per the notice).

Type	Apartment
Surface area	118 m²
Occupancy status	Occupied: who lives there and on what basis is set out in the appraisal report · from the notice
Deadline for offers	14/12/2026 at 13:00 · in 39 days
Auction date	17/12/2026 at 14:30
Minimum offer	€108,750
Deposit	at least 10% of the price you offer: the exact percentage is in the notice
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. 3765/2024 · Lot 1 · Court of Monza
Viewings and information	Sale delegate: Angela Panarello · 0396076692 · procedure@avvocatopanaello.it

Offers due by Monday 14/12/2026 at 13:00; auction on Thursday 17/12/2026.

Read the text of the notice

From the notice: Apartment in Monza, via Tommaseo, 5 (cadastrally no. 17), on floor 1-S1, comprising entrance hall, kitchen, living room, two bedrooms, storage room and two small bathrooms. The property unit is completed by a cellar on the semi-basement floor.

If this sale also gets no bids, the judge can generally reduce the base price (prezzo base) by up to a quarter: at the next attempt it could start from around €108,750, with a minimum offer (offerta minima) of €81,562. 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 certified email (PEC) on the Public Sales Portal. Minimum offer (offerta minima) €108,750.

Book the viewing via the Public Sales Portal, using the «Prenota visita» button in the official listing: by law, requests go through there (art. 560 c.p.c.). For questions about the property, the contact is the sale delegate: Angela Panarello · 0396076692. Read the attached appraisal report (perizia).
Prepare PEC, digital signature, document and the bank transfer for the deposit (cauzione) (the percentage is in the notice, often 10%).
Submit your online offer via the Public Sales Portal by Monday 14/12/2026 at 13:00.
Auction on Thursday 17/12/2026 at 14:30: if you are awarded the lot, payment of 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.

Official listing on the Public Sales Portal (book a viewing)

Data source: court auction (official notice). Colpo d’Asta is a private service, not the official sale website: the notice is what counts. 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 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 (here 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: the notice sets the percentage (often 10%, sometimes 20%): check it before making the bank transfer
Registration tax (imposta di registro): €2,275 if first home (prima casa, 2%, minimum €1,000) or €9,888 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: this is often much less. Ask the sale delegate or the notary.
With the price-value (cadastral income €526.79) the tax would be about €1,317 for a first home / €6,074 for a second home, again 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 €108,750: about €112,025-€121,138
Estimate starting from the minimum offer: monthly instalment of about €373 with a 70% mortgage (€76,125) over 25 years at 3.3%; about €35,900 of savings needed: 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; 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: €212,400 – €289,100

OMI values for standard homes, area “C.Na Villona, C.Na delle Monache, C.Na Sant’Anna, Gallarana”, first half of 2026, normal condition, × 118 m².

After a full renovation: €295,000 – €354,000

OMI values for the same area, excellent condition, × 118 m².

What the works cost

Works	€/m²	Total for 118 m²
LightPainting, minor repairs, sanitary ware and doors	€200 – €400	€23,600 – €47,200
MediumBathroom, kitchen, flooring and upgrading of the systems	€400 – €800	€47,200 – €94,400
FullNew systems, window frames, flooring, bathrooms, kitchen and partition walls	€700 – €1,300	€82,600 – €153,400

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 €108,750 + taxes €9,888 + delegated professional €1,000 – €2,500	€119,638 – €121,138	€212,400 – €289,100OMI, normal condition	+€91,262 – +€169,462
Fully renovate and resellminimum offer €108,750 + taxes €9,888 + delegated professional €1,000 – €2,500 + works €82,600 – €153,400	€202,238 – €274,538	€295,000 – €354,000OMI, excellent condition	+€20,462 – +€151,762

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

17 December 2026€145,000
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 €108,750, with a minimum offer from €81,563. 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 Monza (1,271 homes on a 4+4 open-market contract, 11.4 €/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€11,941

Gross income €16,080 a year. Yield on the total cost: gross 10.2%, net 7.6%. 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.

The market here

Auctions in Monza ↗

Area value: in OMI area D2 “C.Na Villona, C.Na delle Monache, C.Na Sant`Anna, Gallarana” (outlying), for standard homes in normal condition, the Italian Revenue Agency gives between €1,800 and €2,450 per m² of gross floor area. At the starting price it costs €1,229 per m²: 32% below the minimum of the area. For 118 m² the area range is worth between €212,400 and €289,100. Rents in the area: 8–12 €/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 Monza: €36,630 a year.Italian Ministry of Economy and Finance, tax year 2024.

The monthly payment, as a guide

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

€587 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.