AI Summary

Discover a cozy duplex apartment in picturesque Muo, located just 50 meters from the azure coast of the Bay of Kotor. This fully furnished home with a private garden, terrace, and pool access will be your perfect getaway with breathtaking views of the sea and mountains.

House in Kotor #2754

Current as of June 24, 2026
Muo · Bay of Kotor
349 000 €
View: Mountain view, City view, Sea view

Details

Area
92 м²
Rooms
3
Bedrooms
2
Bathrooms
2
Parking
Yes
To sea
50 m

Description

We offer for sale a two-level apartment with a terrace and a private garden in Muo, one of the most picturesque suburbs of Kotor. The property is located in a small residential complex with a swimming pool, landscaped grounds, and a barbecue area, just a few minutes from the waterfront of the Bay of Kotor.

Key features:

  • Area: 92 m²
  • Bedrooms: 2
  • Rooms: 3
  • Bathrooms: 2
  • Floor: 1
  • Building floors: 3
  • Fully furnished
  • Sea view

About the apartment:

The apartment occupies two levels and features a functional layout suitable for both permanent residence and seaside vacations.

On the first level, there is a living room with a kitchen and dining area, a bathroom, a wood-burning fireplace, and a spacious terrace with access to a private courtyard with a garden. Thanks to large windows, the rooms are filled with natural light, and the open views of the bay create the atmosphere of a country house by the sea.

On the second level, there are two bedrooms and an additional bathroom, providing comfortable accommodation for a family or guests.

Complex infrastructure:

  • Outdoor swimming pool
  • Landscaped green area
  • Barbecue area
  • Parking for residents

Location:

  • First line of the Bay of Kotor — in the immediate vicinity
  • Old Town Kotor — a few minutes by car
  • Porto Montenegro — about 15 minutes by car
  • Tivat Airport — about 10 km
  • Restaurants, cafes, and shops — in the immediate vicinity

Investment potential:

Real estate in Muo is traditionally in high demand due to the combination of proximity to Kotor, panoramic views of the bay, and a quiet residential atmosphere. Two-level apartments with a private garden are quite rare on the market, which makes this property attractive both for personal residence and for year-round rental.

Estimated purchase transaction costs

Approximate breakdown of additional costs when buying

Property price
349 000 €
Real estate transfer tax
14 450 €
4 500 € (3% × 150 000) + 9 950 € (5% × 199 000)

Possible additional costs

  • Cadastre applicationsfrom 30 €
  • Ownership sheets (listovi) for the dealfrom 7 €
  • Sworn translator services· per contract / hourfrom 50 €
Total required costs15 282 €
Estimated costs to purchase the propertyTotal: 364 282 €

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 50 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
€349,000
yrs
5 yrs30 yrs
%
3%9%

Ставки банков

Beta · still being polished
CKB Bank
CKB Bankлучшая
фикс. на 5 лет · 7 дн
5.9%
€1,736/мес
NLB Banka
NLB Banka
плавающая Euribor + 4.2% · 10 дн
6.3%
€1,793/мес
Erste Bank
Erste Bank
фикс. на 3 года · 14 дн
6.5%
€1,821/мес
Monthly payment
€1,612
Over 240 months · at 5.0% p.a.
63%тело
Loan amount€244,300
Total interest€142,645
Loan amount
€244,300
Total interest
€142,645
Total payment
€386,945

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.

349 000 €
2718