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AI Summary

A luxurious 198 m² residence in an elite residential complex in Kotor is located just 100 meters from the azure sea. The spacious layout with four bedrooms, six bathrooms, and panoramic balconies perfectly combines comfort, style, and an exclusive coastal location.

ApartmentsNo. 2548

Apartment in Kotor No. 2548

Kotor · Bay of Kotor, R-1, 85330 Kotor, Montenegro
€648,117
View: Sea view, Mountain view

Details

Area
198 m²
Rooms
9
Bedrooms
4
Bathrooms
4
Floor
2/4
Year built
2023
Parking
Yes
To sea
100 m
Price per m²
€3,273
The House Montenegro
Part of projectResidential complex

The House Montenegro

Kotor
10 units in the project
Open
Inside the project

Description

We present to your attention a spacious 198 m² apartment designed for those seeking comfort for a large family, surrounded by nature and panoramic views of the Bay of Kotor.

Interior and layout solutions:

  • Layout:3 separate bedrooms + a separate office (easily convertible into a 4th bedroom)
  • Style:Premium Scandinavian minimalism. Light tones, an abundance of natural wood and stone create an atmosphere of calm and purity
  • Living Area:A huge living room with floor-to-ceiling panoramic glazing. Dining area with a large table for 6 people
  • Kitchen:A concise built-in kitchen equipped with a full set of appliances (including a dishwasher), concealed behind facades made of natural materials.
  • Master & Kids rooms:Cozy bedrooms with access to terraces. Bathrooms are finished with natural stone and fitted with premium sanitary ware.

Intelligent comfort:

  • Underfloor heating throughout.
  • Electric blinds
  • High-speed fiber-optic internet
  • Furnished terrace

The complex is located close to key points of the Bay of Kotor:

  • Old Town Kotor (UNESCO) — 4 km (~7 minutes)
  • Tivat and Porto Montenegro — 7 km (~10–12 minutes)
  • Tivat International Airport — 3.5 km (~6 minutes)
  • Beaches of the Bay of Kotor and Luštica — 10–15 minutes
  • Voli and HDL Laković hypermarkets — up to 5 minutes
  • International schools — in the immediate vicinity

This location makes the property especially attractive for tourists, expats, and investors.

The proximity to Tivat Airport, historic Kotor, and the prestigious Porto Montenegro marina creates stable rental demand throughout the year.

This property has strong income potential:

  • short-term rental during the tourist season
  • long-term rental for residents and employees of international companies
  • capital growth due to the development of the region’s infrastructure

Real estate in the Bay of Kotor demonstrates steady price growth thanks to the limited supply of quality properties and the active development of luxury resort projects.

Amenities

City viewMountain viewSea ViewIntercomAir conditioningElevatorFurnished - partiallyParkingReceptionAlarm systemTerraceManagement company

Estimated purchase transaction costs

Approximate breakdown of additional costs when buying

Property price
€648,117
Property transfer tax
€30,887.02
€4,500 (3% × 150,000) + €17,500 (5% × 350,000) + €8,887 (6% × 148,117)

Notarial deed details

Buyers
1
Sellers
1

By default the notary fee assumes a two-party deal (1 seller and 1 buyer) without a court interpreter, with the notary filing the cadastre application. Each party beyond two adds 5% of the tariff, each interpreter adds €15, and 21% VAT is charged on the full amount. Not included: work outside office hours, at weekends or on public holidays (+25%, at least €50), the notary travelling to you (+€35 per started hour plus travel costs), powers of attorney (€60 + VAT each). The notary may use the property's market value if the contract price is lower.

Possible additional costs (not in the total)

Government fees

  • Cadastre registration of title (state fee)from €30
  • Title sheets (listovi) for the dealfrom €7
Total required costs€32,052
Estimated costs to purchase the propertyTotal: €680,169

Location

What's nearby

  • SchoolGradska Muzika Kotor1.2 km
  • Kindergarten1.4 km
  • GroceriesFranca446 m
  • PharmacyApoteka Tea Medica 28868 m
  • HospitalOpšta bolnica Kotor411 m
  • RestaurantBahus490 m
  • Bus stop471 m
  • ATM560 m
  • AirportTivat Airport3.3 km
  • PortKotor Cruise Pirs1.0 km
  • Sea100 m

Frequently asked questions

Yes. Foreign nationals can buy apartments and houses in Montenegro on the same terms as citizens, with full ownership rights. Restrictions apply only to certain agricultural and undeveloped land, which foreigners usually acquire through a Montenegrin company. We handle the entire legal process.
Buying costs depend on the property. Montenegro’s real-estate transfer tax is progressive — the rate depends on the value — and newly built homes are subject to VAT on the first sale. Add notary, registration and optional lawyer fees. The easiest way to get an exact figure for this property is our purchase-cost calculator.
This property is about 100 m from the sea.
Montenegro’s coast has strong seasonal short-term demand and growing long-term demand from people relocating. Actual returns depend on location, furnishing and management — ask us for a projection for this specific property.
Under the new law, a property purchase supports a temporary residence permit only if the property is residential and worth at least €150,000. The rules change periodically, so confirm the current requirements with us.

Calculate mortgage

Beta · still being polished
Property price
€648,117
yrs
5 yrs30 yrs
%
3%9%

Bank rates

Beta · still being polished
CKB Bank
CKB Bankbest
fixed for 5 years · 7 days
5.9%
€3,224/mo
NLB Banka
NLB Banka
variable Euribor + 4.2% · 10 days
6.3%
€3,329/mo
Erste Bank
Erste Bank
fixed for 3 years · 14 days
6.5%
€3,383/mo
Monthly payment
€2,994
Over 240 months · at 5.0% p.a.
63%principal
Loan amount€453,682
Total interest€264,902
Loan amount
€453,682
Total interest
€264,902
Total payment
€718,584

Want to know how much you can actually get approved for?

< 1 minNo obligation3 banks at once

Rates shown as "from". Final offer depends on your credit profile and the bank's conditions.

€648,117
€3,273/m²No. 2548