Peschiera Borromeo · 138 m² · Apartment

Apartment with cellar and double garage at auction in Via San Bovio 8/B, Peschiera Borromeo, 138 m²

Via San Bovio 8/B, Peschiera Borromeo (Milano)

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

The lot

Apartment of 138 m² with cellar and double garage in Peschiera Borromeo: base price €482,000 (€3,493/m²), vacant (as the notice states).

Type	Apartment
Surface area	138 sqm cadastral (from the notice)
Occupancy status	Vacant · from the notice
Deadline for offers	16/11/2026 at 13:00 · in 11 days
Auction date	17/11/2026 at 10:00
Minimum offer	€361,500
Deposit	at least 10% of the price you offer: the exact percentage is in the notice
Minimum bid increment	€5,000
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. 1134/2025 · Court of Milan
Viewings and information	Sale delegate: Emanuele Gallizia · 0272001469 · emanuele.gallizia@studiogallizia.it

Offers by Monday 16/11/2026 at 13:00; auction on Tuesday 17/11/2026.

Read the text of the notice

From the notice: Peschiera Borromeo (MI) - Via San Bovio 8/B: 1) APARTMENT on the third floor: dining room/living room, two covered balconies, kitchen, bedroom, bathroom and balcony, connected by an internal staircase to the attic on the fourth floor of three rooms, bathroom and laundry room, plus cellar, 138 m²; 2) DOUBLE GARAGE on the first basement floor, 32 m².

If this sale also gets no bids, as a rule the judge can reduce the base price by up to a quarter: at the next attempt it could start from around €361,500, with a minimum offer of €271,125. 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 and sent via PEC on the Public Sales Portal. Minimum offer €361,500.

Book a viewing through the Public Sales Portal (Portale Vendite Pubbliche), using the «Prenota visita» 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): Emanuele Gallizia · 0272001469. 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 the online offer on the Public Sales Portal by Monday 16/11/2026 at 13:00.
Auction on Tuesday 17/11/2026 at 10:00: if you become the successful bidder for the lot, pay the balance within the terms of the notice, 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 a viewing)

Source of data: Judicial auction (official notice). Colpo d’Asta is a private service, not the official website of the sale: the notice prevails. 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 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): €7,330 if first home (prima casa) (2%, minimum €1,000) or €32,635 in other cases (9%, minimum €1,000), already including €100 of mortgage and cadastral taxes; if the seller is a business, 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.
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 €361,500: approx. €369,830–€396,635
Estimate starting from the minimum offer: monthly instalment of about €1,240 with a 70% mortgage (€253,050) over 25 years at 3.3%; about €116,780 in 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 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: €269,100 – €345,000

OMI values for abitazioni civili, area “San Felice, San Bovio”, first half of 2026, normal condition, × 138 m².

After a full renovation: €351,900 – €427,800

OMI values for the same area, excellent condition, × 138 m².

What the works cost

Works	€/m²	Total for 138 m²
LightPainting, minor repairs, sanitary ware and doors	€200 – €400	€27,600 – €55,200
MediumBathroom, kitchen, flooring and upgrading of the systems	€400 – €800	€55,200 – €110,400
FullNew systems, window frames, flooring, bathrooms, kitchen and partition walls	€700 – €1,300	€96,600 – €179,400

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 €361,500 + taxes €32,635 + delegated professional €1,000 – €2,500	€395,135 – €396,635	€269,100 – €345,000OMI, normal condition	−€127,535 – −€50,135
Fully renovate and resellminimum offer €361,500 + taxes €32,635 + delegated professional €1,000 – €2,500 + works €96,600 – €179,400	€491,735 – €576,035	€351,900 – €427,800OMI, excellent condition	−€224,135 – −€63,935

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 November 2026€482,000
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 €361,500, with a minimum offer from €271,125. 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 Peschiera Borromeo (242 homes on a 4+4 open-market contract, 10.1 €/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€12,422

Gross income €16,728 a year. Yield on the total cost: gross 3.2%, net 2.4%. 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

Area value: in OMI area E1 “San Felice, San Bovio” (suburbana), for abitazioni civili in normale condition, the Italian Revenue Agency gives between €1,950 and €2,500 per m² of lorda floor area. At the starting price it costs €3,493 per m²: 40% above the maximum of the area. For 138 m² the area range is worth between €269,100 and €345,000. Rents in the area: 7.8–10 €/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 Peschiera Borromeo: €36,866 a year.Italian Ministry of Economy and Finance, tax year 2024.

The monthly payment, as a guide

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

€1,951 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.