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AI Summary

Imagine a morning with a panorama of the Bay of Kotor and mountains right from your home in Opatovo, just 100 meters from the sea. This spacious house with 5 bedrooms, a pool, and three terraces is designed for living life to the fullest — both for a large family and for entertaining guests. Ready to move in, with a complete set of documents, it will become your ideal Montenegrin residence.

HousesNo. 2833

House in Tivat No. 2833

Current as of August 14, 2026
Tivat · Bay of Kotor
€630,000
View: Sea view, Mountain view, City view

Details

Area
228 m²
Land area
356 m²
Rooms
6
Bedrooms
5
Bathrooms
4
Parking
Yes
To sea
100 m

Description

We offer for sale a house in the village of Opatovo, two kilometers from Tivat, with panoramic views of the bay and mountains, a private pool, sauna, and a full set of documents.

Key features:

  • House area: 228 m²
  • Plot area: 356 m²
  • Floors: 3
  • Bedrooms: 5
  • Bathrooms: 4

About the house:

Three floors, five bedrooms, four bathrooms, and three terraces with panoramic views of the Bay of Kotor and the mountains — the house was built solidly, with ample space for a large family or entertaining guests. On the grounds there is a private pool and a relaxation area, inside there is a sauna and an elevator between floors. Garage on the plot. Excellent condition, one owner. Full set of documents from the project to the occupancy permit — easy and fast transaction processing.

Location:

  • Equipped beaches — about 3 minutes on foot
  • Punto Crudo restaurant — about 1.4 km
  • iDEA — about 3.2 km
  • VOLI — about 3.5 km
  • Tivat center and Porto Montenegro — about 3.5 km
  • Tivat Airport — about 5 km

Investment potential:

A house in quiet Opatovo with a beach a three-minute walk away and all the infrastructure of Tivat nearby — a property that works equally well as a family residence and as a premium-class rental asset in the high season.

Amenities

Alarm systemAir conditioningParkingGardenSea ViewMountain viewCity viewSwimming poolTerrace

Estimated purchase transaction costs

Approximate breakdown of additional costs when buying

Property price
€630,000
Property transfer tax
€29,800
€4,500 (3% × 150,000) + €17,500 (5% × 350,000) + €7,800 (6% × 130,000)

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€30,950
Estimated costs to purchase the propertyTotal: €660,950

Location

What's nearby

  • SchoolOŠ "Drago Milović"1.9 km
  • KindergartenVrtić "Naša Radost"2.9 km
  • Groceries778 m
  • PharmacyPro Clean Laundry2.3 km
  • RestaurantBongos Bongos103 m
  • Bus stop732 m
  • ATM2.4 km
  • AirportTivat Airport7.0 km
  • PortLepetane765 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
€630,000
yrs
5 yrs30 yrs
%
3%9%

Bank rates

Beta · still being polished
CKB Bank
CKB Bankbest
fixed for 5 years · 7 days
5.9%
€3,134/mo
NLB Banka
NLB Banka
variable Euribor + 4.2% · 10 days
6.3%
€3,236/mo
Erste Bank
Erste Bank
fixed for 3 years · 14 days
6.5%
€3,288/mo
Monthly payment
€2,910
Over 240 months · at 5.0% p.a.
63%principal
Loan amount€441,000
Total interest€257,497
Loan amount
€441,000
Total interest
€257,497
Total payment
€698,497

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.

€630,000
No. 2833