AI Summary

Discover the luxury of living in a new residential complex in Kumbor, where spacious 166.6 m² apartments combine a functional layout with breathtaking views of the sea, mountains, and olive groves. Enjoy relaxing on your private 41.5 m² terrace or take advantage of the complex's premium infrastructure, including a swimming pool and professional management, just a step away from the prestigious Portonovi Resort.

Apartment in Kumbor #2737

Current as of June 15, 2026
Kumbor · Bay of Kotor
666 400 €
View: Sea view, Mountain view, City view

Details

Area
166.6 м²
Rooms
4
Bedrooms
3
Bathrooms
2
Floor
2/5
Year built
2026

Description

We offer for sale a spacious 3-bedroom apartment in a residential complex located in the Kumbor area, next to the Portonovi Resort and the coast of the Bay of Kotor. The apartment features a functional family layout, a large 41.5 m² terrace, and views of the complex's green landscapes, olive groves, and the surrounding nature.

Key features:

  • Bedrooms: 3
  • Bathrooms: 2
  • Floor: 2
  • Living area: 125.1 m²
  • Terrace area: 41.5 m²
  • Total area: 166.6 m²

About the apartment:

The layout includes a spacious living room with a kitchen and dining area of 38.5 m², three bedrooms, two bathrooms, an entrance hall, and a large corner terrace that runs along the main living areas.

The 30 m² master bedroom is a complete master suite with a walk-in closet and a private bathroom. Additional bedrooms of 10.4 m² and 14.1 m² are suitable for children, guests, or as a home office. Thanks to the panoramic glazing, the apartment is filled with natural light and creates a sense of spaciousness.

The large 41.5 m² terrace becomes an extension of the living space and allows for an outdoor dining area, a lounge space, or a place to relax surrounded by greenery.

The finishing and equipment include:

  • kitchen with Soft Touch facades and built-in appliances
  • master bedroom with a walk-in closet
  • two full bathrooms
  • spacious terrace for relaxation
  • air conditioning and natural ventilation system
  • heated baseboards and underfloor heating
  • Control4 smart home system

Complex infrastructure:

  • SPA area
  • Finnish sauna
  • hammam
  • massage rooms
  • heated pool
  • wine lounge
  • fitness room
  • private cinema
  • reception and concierge service
  • professional property management
  • gated landscaped area

About the Kumbor and Herceg Novi area:

Kumbor is located at the entrance to the Bay of Kotor and is considered one of the most promising locations in Herceg Novi. The area is actively developing thanks to its proximity to the elite Portonovi Resort, a modern superyacht marina, and a high level of infrastructure.

Herceg Novi is known for its mild climate, a large number of sunny days per year, a developed promenade, a historic center, and a comfortable environment for permanent residence and vacation.

Location:

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

Investment potential:

Large-format apartments with several bedrooms in the Kumbor area are in high demand among families and investors. The proximity to Portonovi Resort, the limited number of new premium-level projects, and stable rental demand make such property an attractive asset both for personal residence and for generating rental income throughout the year.

Estimated purchase transaction costs

Approximate breakdown of additional costs when buying

Property price
666 400 €
Real estate transfer tax
31 984 €
4 500 € (3% × 150 000) + 17 500 € (5% × 350 000) + 9 984 € (6% × 166 400)

Possible additional costs

  • Cadastre applicationsfrom 30 €
  • Ownership sheets (listovi) for the dealfrom 7 €
  • Sworn translator services· per contract / hourfrom 50 €
Total required costs33 147 €
Estimated costs to purchase the propertyTotal: 699 547 €

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.
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
€666,400
yrs
5 yrs30 yrs
%
3%9%

Ставки банков

Beta · still being polished
CKB Bank
CKB Bankлучшая
фикс. на 5 лет · 7 дн
5.9%
€3,315/мес
NLB Banka
NLB Banka
плавающая Euribor + 4.2% · 10 дн
6.3%
€3,423/мес
Erste Bank
Erste Bank
фикс. на 3 года · 14 дн
6.5%
€3,478/мес
Monthly payment
€3,079
Over 240 months · at 5.0% p.a.
63%тело
Loan amount€466,480
Total interest€272,375
Loan amount
€466,480
Total interest
€272,375
Total payment
€738,855

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.

666 400 €
2737