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AI Summary

We are pleased to present a luxurious 136 sq.m apartment in a prestigious residential complex in the heart of Kotor, just 100 meters from the azure sea. The spacious and bright apartment with two cozy bedrooms is complemented by four scenic balconies, where it is so pleasant to enjoy the sea breeze and panoramic views of the city. This is the perfect combination of comfort, modern design, and a premium location for those who appreciate life on the Montenegrin coast, priced at 425,538 euros.

Sale Apartments#2549

Apartment in Kotor No. 2549

Kotor · Bay of Kotor, R-1, 85330 Kotor, Montenegro

425 538 €

View: Sea view, Mountain view, City view

Details

Area

136 м²

Rooms

Bedrooms

Bathrooms

Floor

1/4

Year built

2023

To sea

100 m

Part of projectЖилой комплекс

The House Montenegro

Kotor

10 объектов в комплексе

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Атмосфера комплекса

Description

A spacious two-bedroom residence of 136 m² is offered for sale in one of the most sought-after areas of the Bay of Kotor. This is an ideal option for those looking forreal estate in Montenegro by the seawith panoramic views, modern architecture, and strong investment appeal.

The apartments are designed so that every corner offers two unique landscapes — the endless horizon of the Adriatic Sea and the majestic mountain ranges of Montenegro.

Thoughtful layout and maximum comfort

The interior is finished in a modern elegant style using a neutral color palette, allowing the space to be easily adapted to the owner’s individual preferences.

Key features:

Total area — 136 m²
2 spacious bedrooms
Bright living room with panoramic glazing
2 large terraces with different view characteristics
High ceilings
Floor-to-ceiling panoramic windows
Underfloor heating system throughout the apartment

Thanks to the panoramic glazing, the interior is filled with natural light, and the space visually feels even more spacious. The underfloor heating system ensures comfortable living all year round, which is especially important when buying an apartment in Montenegro for permanent residence.

Sea terrace— the perfect place for morning coffee with views of the Adriatic Sea and sunsets over the Bay of Kotor.

Mountain terrace— a private space with a sweeping panoramic view of the mountain ranges, creating an atmosphere of privacy and harmony.

The residence is located in a strategically convenient spot on the coast:

Old Town of Kotor (UNESCO) — 4 km (~7 minutes)
Tivat and Porto Montenegro — 7 km (~10–12 minutes)
Tivat International Airport — 3.5 km (~6 minutes)
Beaches of the Bay of Kotor and Luštica — 10–15 minutes
Voli and HDL Laković hypermarkets — up to 5 minutes
International schools — in the immediate vicinity

This makes the property especially attractive both for living and for rental purposes.

Proximity to Tivat Airport, Kotor, and the prestigious Porto Montenegro marina ensures strong rental demand throughout the year. The apartments have excellent potential for:

short-term rentals (year-round tourist flow),
long-term rentals for expats and families,
capital preservation, taking into account the stable growth in property prices in the region.

Infrastructure development, premium resorts, and the limited supply of quality sea-view properties are driving steady growth in real estate values in the Bay of Kotor.

Buy an apartment in Kotor by the sea

If you are considering buying an apartment in Montenegro with sea views, close to Porto Montenegro and the international airport, this residence will be the optimal choice for living, leisure, and investment.

Amenities

City view Mountain view Sea View Intercom Air conditioning Elevator Fully furnished Reception Alarm system Terrace Management company

Estimated purchase transaction costs

Approximate breakdown of additional costs when buying

Property price: 425 538 €
Real estate transfer tax: 18 277 €
Notary fees: 911 €

Possible additional costs

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

Total required costs19 188 €

Estimated costs to purchase the propertyTotal: 444 726 €

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 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.

Sale Apartments

Apartment in Kotor No. 2549

Kotor · Bay of Kotor

425 538 €

№ 2549

Valeria Nekrashevich

Your agent

Call

Calculate mortgage

Beta · still being polished

Property price

€425,538

Loan term

yrs

5 yrs30 yrs

Interest rate

3%9%

Ставки банков

Beta · still being polished

CKB Bankлучшая

фикс. на 5 лет · 7 дн

5.9%

€2,117/мес

NLB Banka

плавающая Euribor + 4.2% · 10 дн

6.3%

€2,186/мес

Erste Bank

фикс. на 3 года · 14 дн

6.5%

€2,221/мес

Monthly payment

€1,966

Over 240 months · at 5.0% p.a.

Loan amount€297,877

Total interest€173,929

Loan amount

€297,877

Total interest

€173,929

Total payment

€471,806

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.

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425 538 €

№ 2549