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Cassano d'Adda · 114 m² · Apartment

Apartment with cellar and garage at auction in Via delle Cascate 6, Cassano d'Adda, 114 m²

Via delle Cascate 6, Cassano d'Adda (Milano)

The appraisal report in brief

  1. Planning and land-registry discrepancies

    Lot 001: the garage does not comply with the design drawing in the building permit file, because the partition wall separating the two single garages has been demolished; the appraiser does not certify the building regularity of the garage and indicates a regularisation with an estimated cost of €2,000.

    «Pertanto a causa di tali difformità sopra descritte, lo scrivente non attesta la regolarità edilizia del box in oggetto.»

    Quote from the report (Italian), page 16 ↗
  2. Planning and land-registry discrepancies

    Lot 001: the cadastral floor plan of the building refers to plot 82, whereas the building stands on plot 269; the appraiser considers it necessary to align them through a DOCFA procedure, with an estimated cost of €1,500.

    «Attualmente le due unità immobiliari insistono sul fabbricato al mappale 269.»

    Quote from the report (Italian), page 17 ↗
  3. Unpaid condominium fees

    Lot 001: the appraiser indicates a lump-sum reimbursement of the unpaid condominium charges for the last two years of €3,172.95, deducted from the base price.

    «Rimborso forfettario delle spese condominiali insolute nell'ultimo biennio»

    Quote from the report (Italian), page 20 ↗
  4. Occupancy and title

    Lot 001: the property appeared free of people at the inspection on 30/01/2026, but with personal belongings left behind; no lease contracts are in force.

    «I locali risultano solo parzialmente arredati e con oggetti personali abbandonati in modo sparso.»

    Quote from the report (Italian), page 2 ↗
  5. Restrictions and easements

    Lot 001: there are mortgage registrations, a judicial mortgage, a legal mortgage and seizures, which the appraiser indicates are to be cancelled at the expense of the procedure.

    «Vincoli ed oneri giuridici che saranno cancellati a cura e spese della procedura»

    Quote from the report (Italian), page 11 ↗
  6. Other

    Lot 001: the condominium reports that the buildings were built in an area subject to flooding from overflows of the River Adda, as happened in 2002.

    «gli edifici sono stati realizzati in zona soggetta ad allagamento per esondazioni del fiume Adda»

    Quote from the report (Italian), page 14 ↗
  7. State of repair

    Lot 001: the flat is in poor maintenance and conservation condition, with water seepage in one bathroom; the garage is in mediocre maintenance condition.

    «condizioni generali dell'appartamento: scarso stato manutentivo e conservativo.»

    Quote from the report (Italian), page 7 ↗
  8. Systems (plumbing, electrical, heating)

    Lot 001: the heating system is shut off but not disconnected, the radiators lack thermostatic valves and meters, the electrical system has cut lighting wires, and no certificates of conformity for the systems are present.

    «l'impianto, da quanto è stato possibile verificare è stato chiuso ma non staccato»

    Quote from the report (Italian), page 6 ↗
  9. Systems (plumbing, electrical, heating)

    Lot 001: the appraiser indicates that certificates of conformity for the systems are absent.

    «Certificazioni di conformità degli impianti Assenti.»

    Quote from the report (Italian), page 8 ↗
  10. Regularisation costs

    Lot 001: the appraiser indicates technical costs of urban planning and/or cadastral regularisation to be borne by the buyer, amounting to €3,500.00, already deducted from the value.

    «Spese tecniche di regolarizzazione urbanistica e/o»

    Quote from the report (Italian), page 20 ↗

Automatic summary of the appraisal report (perizia): the report itself prevails. Pages read: 21 of 21. Summary of 5 November 2026. Open the report ↗

The lot

114 m² apartment with cellar and garage in Cassano d'Adda: base price €118,400 (€1,039/m²), vacant (as the notice states).

TypeApartment
Surface area114 m²
Occupancy statusVacant · from the notice
Deadline for offers22/12/2026 at 13:00 · in 47 days
Auction date23/12/2026 at 10:00
Minimum offer€88,800
Depositat least 10% of the price you offer: the exact percentage is in the notice
Minimum bid incrementthe sale delegate sets it: it is stated in the notice
Type of saleCourt sale by the Court of Milan, with online tender on the notaries' portal (Notartel)
Sale methodOnline asynchronous auction: offers and bids online over a number of days, without being present
ProceedingsR.G.E. 753/2024 · Court of Milan
Viewings and informationSale delegate: Simone Melina · 3473186651 · simone.melina@studiolegalemelina.it

Offers by Tuesday 22/12/2026 at 13:00; auction on Wednesday 23/12/2026.

Read the text of the notice

From the notice: Residential apartment on the first floor consisting of an entrance hall, a living room, two bedrooms, a kitchen, two bathrooms, plus three balconies on the same level, with an attached cellar room and a double garage used as private parking on the semi-basement floor.

If this sale also gets no bids, the judge can usually reduce the base price (prezzo base) by up to a quarter: at the next attempt it could start from around €88,800, with a minimum offer (offerta minima) of €66,600. 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

Electronic offer digitally signed via certified email (PEC) on the Public Sales Portal. Minimum offer (offerta minima) €88,800.

  1. Book a viewing via the Public Sales Portal, using the «Book viewing» button in 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: Simone Melina · 3473186651. Read the attached appraisal report (perizia).
  2. Prepare PEC, digital signature, document and the bank transfer for the deposit (cauzione) (the percentage is in the notice, often 10%).
  3. Submit the online offer via the Public Sales Portal by Tuesday 22/12/2026 at 13:00.
  4. Auction on Wednesday 23/12/2026 at 10:00: 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

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 (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: the notice sets the percentage (often 10%, sometimes 20%): check it before making the bank transfer
  • Registration tax (imposta di registro): €1,876 if first home (prima casa) (2%, minimum €1,000) or €8,092 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: often much lower. Ask the sale delegate (delegato alla vendita) 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 €88,800: about €91,676-€99,392
  • Estimate starting from the minimum offer: monthly instalment of about €305 with a 70% mortgage (€62,160) over 25 years at 3.3%; you need about €29,516 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; 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.

History of the lot

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 €88,800, with a minimum offer from €66,600. This is the maximum reduction, not a forecast.

Where it is

Position taken from the address in the notice: it may be approximate. © OpenStreetMap contributors, open the map.

If you rent it out

Starting rents estimated from rental contracts registered in 2025 in Cassano d'Adda (174 homes on a 4+4 open-market contract, 6.5 €/m² a month on average). Change the numbers to run your own figures.

Simulated net per year€6,639

Gross income €8,940 a year. Yield on the total cost: gross 6.9%, net 5.1%. 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.

  • 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 Cassano d'Adda: €28,410 a year.Italian Ministry of Economy and Finance, tax year 2024.

The monthly payment, as a guide

€479 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.

At least one of email and phone is required.

We call you back for free