AI Summary

Discover luxury living in a new complex in Kumbor, where a spacious 158 m² apartment offers breathtaking panoramic views of the sea and mountains. The highlight of the residence is a massive 41.5 m² terrace, perfect for relaxation and located within walking distance of the elite Portonovi resort.

Apartment in Kumbor #2725

Current as of June 2, 2026
Kumbor · Bay of Kotor
633 200 €
View: Sea view, Mountain view, City view

Details

Area
158.3 м²
Rooms
4
Bedrooms
3
Bathrooms
2
Floor
2/5
Year built
2026
To sea
300 m

Description

We offer for sale a 3-bedroom apartment in a residential complex located in the Kumbor area, next to Portonovi Resort and the coast of the Bay of Kotor. The main feature of the residence is a large 41.5 m² terrace with an open view of the bay and the surrounding mountains.

Key features:

  • Bedrooms: 3
  • Bathrooms: 2
  • Floor: 2
  • Total area: 158.3 m²

About the apartment:

The layout includes a spacious living room with a dining area of 39.4 m², a separate kitchen, three bedrooms, two bathrooms, and a large corner terrace. The main living space is oriented towards the terrace, ensuring the apartment is filled with natural light throughout most of the day.

The master bedroom is complemented by a walk-in closet area. Special attention has been paid to storage — the layout includes built-in wardrobes and additional storage systems. The spacious terrace allows for the organization of a full-fledged lounge area or a summer dining area with a view of the Bay of Kotor.

Finishes and equipment include:

  • kitchen with Soft Touch fronts and built-in appliances
  • master bedroom with walk-in closet
  • guest bathroom
  • two functional enclosed terraces
  • air conditioning and natural ventilation system
  • warm skirting boards and underfloor heating
  • Control4 smart home system

Complex infrastructure:

  • SPA zone
  • Finnish sauna
  • hammam
  • massage rooms
  • heated pool
  • wine lounge
  • fitness room
  • private cinema

About the Herceg Novi and Kumbor area:

Kumbor is located at the entrance to the Bay of Kotor and is considered one of the most desirable locations in Herceg Novi due to its modern seaside infrastructure, proximity to the yacht marina, and peaceful atmosphere for living.

Herceg Novi is one of the greenest cities in Montenegro, with a long promenade, a historic center, beaches, and developed infrastructure for year-round living.

Location:

  • sea — about 300 m
  • Portonovi Resort — nearby
  • restaurants and promenade — a few minutes away
  • Herceg Novi center — about 8 km
  • Tivat airport — about 20 km
  • Dubrovnik airport — about 30 km
  • Podgorica airport — about 108 km

Investment potential:

Real estate in the Kumbor area remains one of the most sought-after on the Bay of Kotor coast due to the limited number of new projects, proximity to Portonovi, and stable rental demand. Spacious apartments with terraces and panoramic views are in high demand both for personal residence and for long-term investments.

Estimated purchase transaction costs

Approximate breakdown of additional costs when buying

Property price
633 200 €
Real estate transfer tax
29 992 €
4 500 € (3% × 150 000) + 17 500 € (5% × 350 000) + 7 992 € (6% × 133 200)

Possible additional costs

  • Cadastre applicationsfrom 30 €
  • Ownership sheets (listovi) for the dealfrom 7 €
  • Sworn translator services· per contract / hourfrom 50 €
Total required costs31 123 €
Estimated costs to purchase the propertyTotal: 664 323 €

Location

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 300 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
€633,200
yrs
5 yrs30 yrs
%
3%9%

Ставки банков

Beta · still being polished
CKB Bank
CKB Bankлучшая
фикс. на 5 лет · 7 дн
5.9%
€3,150/мес
NLB Banka
NLB Banka
плавающая Euribor + 4.2% · 10 дн
6.3%
€3,253/мес
Erste Bank
Erste Bank
фикс. на 3 года · 14 дн
6.5%
€3,305/мес
Monthly payment
€2,925
Over 240 months · at 5.0% p.a.
63%тело
Loan amount€443,240
Total interest€258,805
Loan amount
€443,240
Total interest
€258,805
Total payment
€702,045

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.

633 200 €
2725