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Back to homeStarting price
Minimum bid
138.750 €
Min. raise
3000 €
Deadline
09/12/2026
Method
Sincrona Mista
Professionals available in the area
Indicative quotes
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The property
What it is like, how big it is, where it isLot description
Abitazione su tre piani con superficie lorda complessiva di circa mq 375.
Features
Floor area
375 m²
Rooms
12
Price per m²
€ 493/m²
Location
What it really costs
The real purchase cost, not just the starting priceThe all-in price
What it would REALLY cost to win this lot at the current starting price (€ 185.000): estimated taxes and charges on top of the price.
| Registration tax (2%) | € 3.700 |
| Mortgage and cadastral taxes (fixed) | € 100 |
| Fixed transfer costs (estimate) | € 300 |
| Delegated professional’s fee share (estimate) | € 825 |
| Estimated charges on top of the price | € 4.925 |
| Indicative total (price + charges) | € 189.925 |
And if it went back on sale? If this lot went to a new attempt with the typical reduction observed in its group (−20.0%, over 43 historical reductions), the indicative total would go from € 189.925 to € 152.185 (−19.9%) — less than the nominal reduction, because the minimum tax and fixed charges do not fall proportionally. Many lots leave the market before the next attempt: this is a conditional scenario, not a forecast.
| Registration tax (9%) | € 16.650 |
| Mortgage and cadastral taxes (fixed) | € 100 |
| Fixed transfer costs (estimate) | € 300 |
| Delegated professional’s fee share (estimate) | € 825 |
| Estimated charges on top of the price | € 17.875 |
| Indicative total (price + charges) | € 202.875 |
And if it went back on sale? If this lot went to a new attempt with the typical reduction observed in its group (−20.0%, over 43 historical reductions), the indicative total would go from € 202.875 to € 162.545 (−19.9%) — less than the nominal reduction, because the minimum tax and fixed charges do not fall proportionally. Many lots leave the market before the next attempt: this is a conditional scenario, not a forecast.
⚠️ The appraisal report flags building violations/non-conformities: any amnesties or restorations are at the buyer’s expense — get them quantified by a surveyor before bidding.
Indicative estimate based on standard rules (registration tax regime, VAT excluded): the actual amount due is calculated on the award price and may vary for special regimes (sales subject to VAT, agricultural land, luxury properties; first-home benefits require the legal requirements). It does not replace the advice of a professional.
Mortgage payment estimate
Estimate how much you would pay each month if you financed this auction with a mortgage. A deterministic calculation: no real quotes, just a simulation.
Default: % of the auction price
Indicative fixed rate (ECB)
Estimated monthly payment
Total interest
Total paid
Compare term scenarios
| Term | Payment/month | Interest | Total |
|---|---|---|---|
⚠️ Indicative calculation based on the standard French amortisation formula. It does not take into account ancillary expenses (appraisal, notary, insurance) or any bank discounts for different LTVs. . Before taking part in the auction, get a real quote.
The court auction market in the area
Active auctions within 10 km
5 same category
Median starting price in the area
€ 81.000
Completed attempts (24 months)
12
Aggregates of geolocated auctions in the same category within 10 km. “Left the market” = lots no longer republished (the official outcome is not published by the PVP).
How to buy
The procedure, the documents, the deadlinesProceedings
- Court
- Tribunale di COMO
- Case no.
- 198/2025
- Procedure
- Espropriazione Immobiliare (cartabia)
- Sale type
- Senza Incanto
- Method
- Sincrona Mista
- Bid deadline
- 09/12/2026
- Hearing date
- 10/12/2026 · 17:00
- Published on
- 27/09/2026
Official documents
Complete basic set (appraisal report + notice + order). Presence detected among the attachments published on the PVP (5 attachments in total): this is not a judgement on the content of the documents.
Technical appraisal report Analysed
Official PDF from the Public Sales Portal
fotografie (2).pdf
1.2 MB
Avviso di vendita.pdf
385 KB
ordinanza di delega.pdf
377 KB
scheda catastale LOTTO 2.pdf
350 KB
Go to the Public Sales Portal
Official act of the Ministry of Justice
Book a viewing of the asset
Official request on the Public Sales Portal
Other lots in this case
Go to the case →The context
The market around this lotContext of this sale
Contact
Reference auction
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Find out if this auction is worth it
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Frequently asked questions about this auction
When does this auction in Cernobbio take place?
The deadline for submitting bids is 09/12/2026. The auction will then be held on 10/12/2026 at the Tribunale di COMO.
What is the starting price of this court auction?
The auction starting price is €185.000. The minimum admissible bid is €138.750. The minimum bid increment is €3.000.
How do I take part in this auction?
The auction is held in Synchronous mixed mode. To take part you must submit a bid with a deposit equal to 10% of the price offered, by the deadline shown on the Public Sales Portal. The deadline for bids is 09/12/2026.
What happens if this auction goes unsold?
This auction is already at attempt no. 2: the 1 previous ones went unsold. The cumulative discount since the first attempt is 24.8%. If this auction also goes unsold, the judge may order a new attempt at a further reduced price (usually −25% on the previous starting price).
Can I view the property before taking part in the auction?
Yes, it is normally possible to view the property by making an appointment with the court-appointed custodian. The custodian’s details (name and contacts) are given in the technical appraisal report downloadable from this page.
Page edited by the addicta editorial team — official data from the Ministry of Justice’s Public Sales Portal.
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Useful guides for buying at auction
- Expert appraisal report: how to read it and what to look for before bidding What to look for in the appraisal report before bidding at auction: legal red flags, planning discrepancies, occupancy status and tips for the viewing.
- How to buy at a court auction: the complete 2026 guide Everything you need to know to take part in a court auction: from choosing the lot to the transfer decree. A step-by-step operational procedure with legal references and an error-proof checklist.
- Synchronous, asynchronous, mixed and in-person sales: differences and how to prepare How the four sale methods in court auctions work: synchronous, asynchronous, mixed and in-person. Operational differences, timing and preparation for the auction.
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