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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.

HousesNo. 2834

House in Tivat No. 2834

Tivat · Bay of Kotor
€440,000
View: Sea view, Mountain view, City view

Details

Area
198 m²
Land area
298 m²
Rooms
7
Bedrooms
5
Bathrooms
3
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.

Amenities

Alarm systemAir conditioningParkingGardenSea ViewMountain viewCity viewElevatorFully furnishedTerrace

Estimated purchase transaction costs

Approximate breakdown of additional costs when buying

Property price
€440,000
Property transfer tax
€19,000
€4,500 (3% × 150,000) + €14,500 (5% × 290,000)

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€19,945
Estimated costs to purchase the propertyTotal: €459,945

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.

Calculate mortgage

Beta · still being polished
Property price
€440,000
yrs
5 yrs30 yrs
%
3%9%

Bank rates

Beta · still being polished
CKB Bank
CKB Bankbest
fixed for 5 years · 7 days
5.9%
€2,189/mo
NLB Banka
NLB Banka
variable Euribor + 4.2% · 10 days
6.3%
€2,260/mo
Erste Bank
Erste Bank
fixed for 3 years · 14 days
6.5%
€2,296/mo
Monthly payment
€2,033
Over 240 months · at 5.0% p.a.
63%principal
Loan amount€308,000
Total interest€179,839
Loan amount
€308,000
Total interest
€179,839
Total payment
€487,839

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.

€440,000
No. 2834