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AI Summary

Luxurious 90 sq. m apartment in the prestigious residential complex in Kumbor, located just 100 meters from the azure sea. The spacious layout with a modern kitchen, a cozy bedroom, and a panoramic balcony is perfectly complemented by access to excellent infrastructure with three swimming pools and a well-maintained grounds. An ideal choice for those who value aesthetics, comfort, and proximity to the coast in one of the most picturesque locations in Montenegro.

ApartmentsNo. 4004

Apartment in Portonovi No. 4004

Kumbor · Bay of Kotor
€650,000
View: Mountain view

Details

Area
90 m²
Rooms
2
Bedrooms
1
Bathrooms
1
Floor
1/3
Year built
2019
Parking
Yes
To sea
100 m
Price per m²
€7,222

Description

One-Bedroom Apartment in the Elite Portonovi Complex, Kumbor

An apartment of 70 m² is for sale with a 20 m² terrace, the exclusive right of use of which belongs to the owners, with direct access to the shared pool in Portonovi Village Residences.

The apartment consists of a spacious living room, kitchen, dining area, one bedroom, and one bathroom. It is sold fully furnished.

The price includes one garage space and a storage room.

About the Portonovi Complex

Portonovi Montenegro— is an ultra-premium resort residence combining 218 world-class residential units and a mega-yacht marina located at the narrow entrance to the Bay of Kotor.

World-Class Infrastructure

Portonovi offers its residents and guests infrastructure that meets the highest standards. The complex features:

  • Superyacht Marina: one of the most modern in Europe, capable of accommodating vessels up to 120 meters long.
  • HotelOne&Only: the first and only One&Only-branded hotel in Europe, offering unparalleled service and amenities.
  • Henri Chenot Wellness Center: a unique health and rejuvenation center offering personalized detox and recovery programs.
  • Restaurants and Bars: a variety of culinary offerings, from traditional Montenegrin cuisine to international delicacies.
  • Boutiques and Shops: a wide selection of stores offering world-famous brands (Bottega Veneta, Loewe, Balenciaga, etc.).
  • Sports and Entertainment Facilities: fitness centers, tennis courts, swimming pools, and other facilities for active leisure.
Portonovi Community and Lifestyle

Portonovi is not just a real estate complex, but a full-fledged community for those who value comfort, prestige, and an active lifestyle. Cultural and sporting events are regularly held here, including yacht regattas, gastronomic festivals, and concerts, creating a dynamic and friendly atmosphere. For families with children, there are safe play areas, educational institutions, and recreation zones, while sports enthusiasts can enjoy fitness centers, tennis courts, swimming pools, and water activities. Life in Portonovi combines privacy and community, modern comfort and harmony with nature, making the complex an ideal choice for both permanent residence and seasonal holidays.

Amenities

Swimming poolCity viewMountain viewIntercomAir conditioningElevatorFully furnishedParkingFirst lineReceptionGardenAlarm systemGymTerraceManagement company

Estimated purchase transaction costs

Approximate breakdown of additional costs when buying

Property price
€650,000
Property transfer tax
€31,000
€4,500 (3% × 150,000) + €17,500 (5% × 350,000) + €9,000 (6% × 150,000)

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€32,165
Estimated costs to purchase the propertyTotal: €682,165

Location

What's nearby

  • SchoolBoka School International330 m
  • GroceriesIDEA37 m
  • PharmacyMaxima Pharmacy59 m
  • RestaurantSquare Restaurant30 m
  • Bus stopKod Torte351 m
  • ATMHipotekarna Banka153 m
  • AirportTivat Airport10.7 km
  • PortPortonovi Marina201 m
  • 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
€650,000
yrs
5 yrs30 yrs
%
3%9%

Bank rates

Beta · still being polished
CKB Bank
CKB Bankbest
fixed for 5 years · 7 days
5.9%
€3,234/mo
NLB Banka
NLB Banka
variable Euribor + 4.2% · 10 days
6.3%
€3,339/mo
Erste Bank
Erste Bank
fixed for 3 years · 14 days
6.5%
€3,392/mo
Monthly payment
€3,003
Over 240 months · at 5.0% p.a.
63%principal
Loan amount€455,000
Total interest€265,672
Loan amount
€455,000
Total interest
€265,672
Total payment
€720,672

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.

€650,000
€7,222/m²No. 4004