Cologno Monzese · 91 m² · Apartment

Apartment with cellar and garage at auction in Via Brennero 33, Cologno Monzese, 91 m²

Via Brennero 33, Cologno Monzese (Milano)

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

The appraisal report in brief

Occupancy and title
Lot 1: at the time of the inspection the property is occupied by the debtor. The appraisal report (perizia) does not indicate any other occupancy titles, such as lease contracts.
«Alla data del sopralluogo l'immobile risulta occupato dal debitore.»
Quote from the report (Italian), page 3 ↗
Unauthorised building works
Lot 1: the appraiser writes that the certificate of habitability (agibilità) has not been issued. He adds that the situation can be regularised through a habitability SCIA with a certificate of conformity for the systems.
«AGIBILITA' NON RILEVATA NELLA PRATICA EDILIZIA E QUINDI SI RITIENE CHE NON»
Quote from the report (Italian), page 4 ↗
Planning and land-registry discrepancies
Lot 1: the cadastral record does not show a living room window. The appraiser writes that the discrepancy can be regularised with a new cadastral declaration form, with technical costs and rights of €500.00.
«si rileva la mancata rappresentazione di una finestra nel soggiorno.»
Quote from the report (Italian), page 6 ↗
Unpaid condominium fees
Lot 1: the ordinary annual condominium (condominio) charges are €2,027.52 and the overdue charges are €0.00. The current administrator, however, states that they cannot provide detailed data on the condominium expenses, because the previous one did not hand over the documentation.
«CONFERMA DI NON ESSERE IN GRADO DI POTER FORNIRE I DATI RICHIESTI»
Quote from the report (Italian), page 4 ↗
Restrictions and easements
Lot 1: the appraisal report lists a 'non edificandi' restriction deed of 1983 and a restriction constitution of 1984, both transcribed.
«del notaio in Cologno M.se dott. Aurelio GAVAZZI del 20.10.1983 al n. 63987 di»
Quote from the report (Italian), page 5 ↗

Automatic summary of the appraisal report (perizia): the report itself prevails. Pages read: 20 of 20. Summary of 5 November 2026. Open the report ↗

The lot

Three-room flat of 91 m² with cellar and garage in Cologno Monzese: base price €270,000 (€2,967/m²), occupied by the debtor (as stated in the appraisal report).

Type	Apartment
Surface area	91 m²
Occupancy status	Occupied by the debtor (will be vacated after the transfer decree) · per the appraisal report
Deadline for offers	16/11/2026 at 13:00 · in 11 days
Auction date	18/11/2026 at 15:00
Minimum offer	€202,500
Deposit	10% of the price you offer
Minimum bid increment	€2,000
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. 482/2025 · Lot 1 · Court of Monza
Viewings and information	Sale delegate and court-appointed custodian: Sara Mozzillo · 0392022532 · sara.mozzillo@studiolegalelcm.it

Offers by Monday 16/11/2026 at 13:00; auction on Wednesday 18/11/2026.

Read the text of the notice

From the notice: Lot 1: third-floor flat of 91 m² commercial area, full ownership: three rooms, living kitchen, two bathrooms, storage room and two balconies, with cellar on the basement level.

If this sale also ends with no bids (asta deserta), the judge can normally reduce the base price (prezzo base) by up to a quarter: at the next attempt it could start from around €202,500, with a minimum offer (offerta minima) of €151,875. 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 can 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): €202,500.

Book the viewing through the Public Sales Portal, using the «Book viewing» button on the official listing: by law, requests go through it (art. 560 c.p.c.). Court-appointed custodian (custode): Sara Mozzillo · 0392022532. You can call the court-appointed custodian with questions about the property. 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 16/11/2026 at 13:00.
Auction on Wednesday 18/11/2026 at 15:00: 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

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 authoritative. 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: € 20,250 (10% of the minimum offer, as the notice requires) or € 27,000 if you offer the base price
Registration tax (imposta di registro): €4,150 if first home (prima casa) (2%, minimum €1,000) or €18,325 in other cases (9%, minimum €1,000), already including €100 of mortgage and cadastral taxes; if a company 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 lower. Ask the sale delegate or the notary.
Using the price-value (cadastral income €530.61), the tax would be around €1,326 for a first home / €6,117 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 €202,500: about €207,650-€223,325
Estimate starting from the minimum offer: monthly instalment of about €695 with a mortgage at 70% (€141,750) over 25 years at 3.3%; you need about €65,900 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: €182,000 – €241,150

OMI values for standard homes, area “Centro”, first half of 2026, normal condition, × 91 m².

After a full renovation: €245,700 – €309,400

OMI values for the same area, excellent condition, × 91 m².

What the works cost

Works	€/m²	Total for 91 m²
LightPainting, minor repairs, sanitary ware and doors	€200 – €400	€18,200 – €36,400
MediumBathroom, kitchen, flooring and upgrading of the systems	€400 – €800	€36,400 – €72,800
FullNew systems, window frames, flooring, bathrooms, kitchen and partition walls	€700 – €1,300	€63,700 – €118,300

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 €202,500 + taxes €18,325 + delegated professional €1,000 – €2,500	€221,825 – €223,325	€182,000 – €241,150OMI, normal condition	from −€41,325 to +€19,325
Fully renovate and resellminimum offer €202,500 + taxes €18,325 + delegated professional €1,000 – €2,500 + works €63,700 – €118,300	€285,525 – €341,625	€245,700 – €309,400OMI, excellent condition	from −€95,925 to +€23,875

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

18 November 2026€270,000
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 €202,500, with a minimum offer from €151,875. 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 Cologno Monzese (359 homes on a 4+4 open-market contract, 9.9 €/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€7,984

Gross income €10,752 a year. Yield on the total cost: gross 3.7%, net 2.7%. 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 Cologno Monzese ↗

Area value: in OMI area B2 “Centro” (central), for standard homes in normal condition, the Italian Revenue Agency gives between €2,000 and €2,650 per m² of gross floor area. At the starting price it costs €2,967 per m²: 12% above the maximum of the area. For 91 m² the area range is worth between €182,000 and €241,150. Rents in the area: 8–10.5 €/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 Cologno Monzese: €26,580 a year.Italian Ministry of Economy and Finance, tax year 2024.

The monthly payment, as a guide

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

€1,093 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.