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AI Summary

A spacious 400 sq. m house in sunny Tivat will be an ideal choice for a large family, offering 6 cozy bedrooms and three bright living rooms for comfortable relaxation. The property is located just 800 meters from the sea and is surrounded by a well-kept plot, ensuring privacy and close access to the best coastal infrastructure, priced at EUR 420,000.

HousesNo. 1319

House in Tivat No. 1319

Tivat · Bay of Kotor, Tivat, Montenegro
€420,000

Details

Area
400 m²
Land area
450 m²
Bedrooms
6
Bathrooms
4
Parking
Yes
To sea
800 m
Price per m²
€1,050

Description

A four-story house for sale in Tivat, 800 meters from the sea.
The total house area is 400 m2. The plot area is 450 m2.
House layout:
On the first floor: hallway, living room combined with kitchen, bathroom, wine cellar, terrace.
On the second floor: 2 bedrooms, bathroom, 2 terraces.
On the third floor: 2 bedrooms, bathroom, 2 terraces.
On the fourth floor: 2 bedrooms, bathroom, 2 terraces with panoramic views of the sea and the city.
The house is fully furnished. It has all the necessary household appliances.
All infrastructure is within walking distance.

Amenities

Air conditioningParkingTerrace

Estimated purchase transaction costs

Approximate breakdown of additional costs when buying

Property price
€420,000
Property transfer tax
€18,000
€4,500 (3% × 150,000) + €13,500 (5% × 270,000)

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€18,929
Estimated costs to purchase the propertyTotal: €438,929

Location

What's nearby

  • SchoolOŠ "Drago Milović"1.4 km
  • Kindergarten610 m
  • GroceriesCedis tivat182 m
  • PharmacyApoteka HELP648 m
  • RestaurantCoffee Novi493 m
  • Bus stop415 m
  • ATMCKB Banka666 m
  • AirportTivat Airport3.9 km
  • PortPine933 m
  • Sea800 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 800 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
€420,000
yrs
5 yrs30 yrs
%
3%9%

Bank rates

Beta · still being polished
CKB Bank
CKB Bankbest
fixed for 5 years · 7 days
5.9%
€2,089/mo
NLB Banka
NLB Banka
variable Euribor + 4.2% · 10 days
6.3%
€2,158/mo
Erste Bank
Erste Bank
fixed for 3 years · 14 days
6.5%
€2,192/mo
Monthly payment
€1,940
Over 240 months · at 5.0% p.a.
63%principal
Loan amount€294,000
Total interest€171,665
Loan amount
€294,000
Total interest
€171,665
Total payment
€465,665

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.

€420,000
€1,050/m²No. 1319