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Back to homeStarting price
Minimum bid
19.875 €
Min. raise
500 €
Deadline
21/12/2026
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
Quota 1/6 Villetta unifamiliare comprensiva di corte esclusiva di proprietà, di fabbricato accessorio centrale termica e ripostiglio nonché box auto siti in Via XXV Aprile 39, della superficie commerciale di mq.248,00 composto da: due cantine al piano primo sottostrada, ingresso, corridoio, cucina, soggiorno, due camere, wc e balcone a piano terra, ripostiglio con balcone e wc a piano primo sottotetto, fabbricato uso centrale termica e ripostiglio, terreno pertinenziale e box autorimessa privata.
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 (€ 26.500): estimated taxes and charges on top of the price.
| Registration tax (2%) | € 1.000 |
| Mortgage and cadastral taxes (fixed) | € 100 |
| Fixed transfer costs (estimate) | € 300 |
| Delegated professional’s fee share (estimate) | € 550 |
| Estimated charges on top of the price | € 1.950 |
| Indicative total (price + charges) | € 28.450 |
And if it went back on sale? If this lot went to a new attempt with the typical reduction observed in its group (−25.0%, over 21 historical reductions), the indicative total would go from € 28.450 to € 21.825 (−23.3%) — 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%) | € 2.385 |
| Mortgage and cadastral taxes (fixed) | € 100 |
| Fixed transfer costs (estimate) | € 300 |
| Delegated professional’s fee share (estimate) | € 550 |
| Estimated charges on top of the price | € 3.335 |
| Indicative total (price + charges) | € 29.835 |
And if it went back on sale? If this lot went to a new attempt with the typical reduction observed in its group (−25.0%, over 21 historical reductions), the indicative total would go from € 29.835 to € 22.614 (−24.2%) — 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 occupancy: allow for the time (and any legal costs) needed to free the property.
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.
How to buy
The procedure, the documents, the deadlinesProceedings
- Court
- Tribunale di SONDRIO
- Case no.
- 3/2023
- Procedure
- Liquidazione Controllata (cci)
- Sale type
- Senza Incanto
- Method
- Sincrona Mista
- Bid deadline
- 21/12/2026
- Hearing date
- 22/12/2026 · 09:30
- Published on
- 04/10/2026
Official documents
Complete basic set (appraisal report + notice + order). Presence detected among the attachments published on the PVP (3 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
Avviso di vendita lotto 6 FIRMATO.pdf
182 KB
Sentenza di apertura liquidazione_Redatto.pdf
396 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
Notify me at the next attempt
If this lot goes unsold and is relisted, we will let you know when the next attempt of the proceedings is published.
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 Ardenno take place?
The deadline for submitting bids is 21/12/2026. The auction will then be held on 22/12/2026 at the Tribunale di SONDRIO.
What is the starting price of this court auction?
The auction starting price is €26.500. The minimum admissible bid is €19.875. The minimum bid increment is €500.
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 21/12/2026.
What happens if this auction goes unsold?
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
- Transfer decree: timescales, costs and what happens after the award From paying the balance to the transfer decree: timeline, tax costs, cancellation of mortgages and realistic timescales to become the owner.
- Vacating an occupied property: how to obtain possession after the auction What to do if the property you bought at auction is occupied: debtor versus third parties, eviction timescales, enforceable leases and the costs of vacating.
- Mortgage for a court auction: how it works and which banks provide it How a mortgage loan for buying at a court auction works: pre-approval, bank valuation, the 120-day timescale and strategies to avoid losing the award.
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