Cuggiono · 187 m² · Small villa

Small villa for auction at Via Montebello 24, Cuggiono, 187 m²

Via Montebello 24, Cuggiono (Milano)

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

The lot

Small villa of 187 m² in Cuggiono: base price €218,000 (€1,166/m²), occupied by the debtor (as the notice says).

Type	Small villa
Surface area	187 m² cadastral (from the notice)
Occupancy status	Occupied by the debtor (vacated after the transfer decree) · from the notice
Deadline for offers	16/02/2027 at 13:00 · in 103 days
Auction date	17/02/2027 at 15:30
Minimum offer	€163,500
Deposit	10% of the price you offer
Minimum bid increment	€4,000
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. 587/2024 · Court of Milan
Viewings and information	Sale delegate: Pancrazio Timpano · 3384519611 · studiolegaletimpano@gmail.com

Offers by Tuesday 16/02/2027 at 13:00; auction on Wednesday 17/02/2027.

Read the text of the notice

From the notice: full ownership of an apartment in a villino (A/7), forming part of a two-family house of two storeys above ground, with a shared external area, located on the 1st floor of the building and comprising an entrance hall, kitchen, five rooms, one bathroom and three balconies.

If this auction also has no bids (asta deserta), the judge can as a rule reduce the base price (prezzo base) by up to a quarter: at the next attempt it could start from about €163,500, with a minimum offer (offerta minima) of €122,625. This is the maximum allowed by law (art. 591 c.p.c.), not a forecast: the judge decides the reduction, and in the meantime the lot may be awarded to someone else.

How to take part

Online offer digitally signed and sent by certified email (PEC) via the Public Sales Portal (Portale delle Vendite Pubbliche). Minimum offer €163,500.

Book the viewing through 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: Pancrazio Timpano · 3384519611. 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 via the Public Sales Portal by Tuesday 16/02/2027 at 13:00.
Auction on Wednesday 17/02/2027 at 15:30: if you win the lot, pay the balance within the terms of the notice and then receive 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 the viewing)

Source of the data: 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: 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: €16,350 (10% of the minimum offer, as the notice requires) or €21,800 if you offer the base price
Registration tax (imposta di registro): €3,370 if it is your first home (prima casa) (2%, minimum €1,000) or €14,815 in other cases (9%, minimum €1,000), already including €100 of mortgage and cadastral taxes; if a business is being sold, 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 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 €163,500: about €167,870-€180,815
Estimate starting from the minimum offer: monthly instalment of about €561 with a 70% mortgage (€114,450) over 25 years at 3.3%; you need about €53,420 in savings: the 30% not covered by the mortgage (the deposit paid is part of it, and is deducted from the price), the registration 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: €196,350 – €243,100

OMI values for villas and detached houses, area “Centro Urbano”, first half of 2026, normal condition, × 187 m².

After a full renovation: €261,800 – €345,950

OMI values for the same area, excellent condition, × 187 m².

What the works cost

Works	€/m²	Total for 187 m²
LightPainting, minor repairs, sanitary ware and doors	€200 – €400	€37,400 – €74,800
MediumBathroom, kitchen, flooring and upgrading of the systems	€400 – €800	€74,800 – €149,600
FullNew systems, window frames, flooring, bathrooms, kitchen and partition walls	€700 – €1,300	€130,900 – €243,100

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 €163,500 + taxes €14,815 + delegated professional €1,000 – €2,500	€179,315 – €180,815	€196,350 – €243,100OMI, normal condition	+€15,535 – +€63,785
Fully renovate and resellminimum offer €163,500 + taxes €14,815 + delegated professional €1,000 – €2,500 + works €130,900 – €243,100	€310,215 – €423,915	€261,800 – €345,950OMI, excellent condition	from −€162,115 to +€35,735

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 February 2027€218,000
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 €163,500, with a minimum offer from €122,625. 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 Cuggiono (72 homes on a 4+4 open-market contract, 6.4 €/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€10,640

Gross income €14,328 a year. Yield on the total cost: gross 6%, net 4.5%. 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 Cuggiono ↗

Area value: in OMI area B1 “Centro Urbano” (central), for villas and detached houses in normal condition, the Italian Revenue Agency gives between €1,050 and €1,300 per m² of gross floor area. At the starting price it costs €1,166 per m², within the values of the area. For 187 m² the area range is worth between €196,350 and €243,100. Rents in the area: 4.3–6 €/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 Cuggiono: €28,513 a year.Italian Ministry of Economy and Finance, tax year 2024.

The monthly payment, as a guide

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

€882 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.