Three-story house in Tivat, Montenegro: beige facade, balconies with balustrade, and stone fence

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Panoramic view of the pristine beach and Bay of Kotor in Tivat, Montenegro

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Balcony with furniture and panoramic views of the sea and mountains in a house in Tivat, Montenegro.

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AI Summary

A unique three-story house in Opatovo, just 100 meters from the sea and two kilometers from Tivat, offers three completely independent apartments with separate entrances. A great investment or a spacious family nest with panoramic views of the sea, mountains, and the city — on a plot of 298 m² with a garden and parking. A fully furnished property with air conditioning, alarm system, and elevator, ready for immediate occupancy.

Sale Houses#2834

House in Tivat №2834

Current as of August 14, 2026

Tivat · Bay of Kotor

440 000 €

View: Sea view, Mountain view, City view

Details

Area

198 м²

Land area

298 м²

Rooms

Bedrooms

Bathrooms

Parking

Yes

To sea

100 m

Description

We offer for sale a three-story house in Opatovo, two kilometers from Tivat — with three fully independent apartments, each with its own separate entrance.

Key features:

House area: 198 m²
Plot area: 298 m²
Floors: 3
Bedrooms: 5
Bathrooms: 3
Terraces: 3
Parking: in front of the house
Condition: excellent, furnished

About the house:

The main feature of this property is that each of the three floors is a self-contained apartment with a separate entrance. This opens up several usage scenarios: live on one level yourself and rent out the other two, use the house for a large family with different generations under one roof, or rent out all three apartments independently. The house is fully furnished, in excellent condition. Air conditioning, internet, well-kept yard.

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 with three independent apartments near the beach in quiet Opatovo is a rare format for this area. The ability to rent out each level separately significantly increases potential rental income compared to a regular house of similar size.

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Amenities

Alarm system Air conditioning Parking Garden Sea View Mountain view City view Elevator Fully furnished Terrace

Estimated purchase transaction costs

Approximate breakdown of additional costs when buying

Property price: 440 000 €
Real estate transfer tax: 19 000 €
Notary fees: 927 €

Possible additional costs

Cadastre applicationsfrom 30 €
Ownership sheets (listovi) for the dealfrom 7 €
Sworn translator services· per contract / hourfrom 50 €

Total required costs19 927 €

Estimated costs to purchase the propertyTotal: 459 927 €

Location

What's nearby

SchoolOŠ "Drago Milović"1.9 km
KindergartenVrtić "Naša Radost"2.9 km
Groceries743 m
PharmacyPro Clean Laundry2.4 km
RestaurantRestaurant Lovcen102 m
Bus stopLepetane705 m
ATM2.4 km
AirportTivat Airport7.1 km
PortLepetane733 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.

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