Panoramic view of a bay with a cruise ship, surrounded by steep mountains and a coastal town with red roofs under a clear sky.

Open terrace with a view of a mountain bay and town. Foreground shows concrete surface with metal fixtures and a glass safety barrier.

Open terrace with concrete floor and metal anchors. In the background, a sea bay surrounded by high mountains under a clear blue sky is visible.

View from a balcony overlooking a port with a cruise ship and mountains. Stone floor and glass railing.

View from a terrace over a coastal town, deep blue bay, and massive rocky mountains. A large white cruise ship is docked in the water.

Bright staircase with light stone steps, a wooden handrail, and a glass balustrade leading to a window.

Empty room with wooden flooring and large windows. Exposed ceiling wires and a wall-mounted air conditioner are visible.

Empty room with wooden flooring and large windows. Mountains and city are visible through glass doors.

Empty room with wooden flooring, white walls, wall-mounted AC unit, and sliding doors leading to a bathroom.

Empty room with dark wood flooring and large windows overlooking mountains. A white climate unit and exposed wires are visible on the walls.

Empty room with white walls and wooden flooring. A balcony door, hanging light bulb, and electrical outlets are visible on the walls.

Wide balcony with transparent glass railing overlooking a rocky mountain and adjacent stone building.

Wide balcony with glass railing and tiled floor. View of a rocky mountain ridge and a small town below under a clear blue sky.

Empty room with wooden flooring and white walls. A staircase with a glass railing is visible along with large windows.

Empty room with wooden flooring and glass staircase railing. White walls, hanging light bulbs, and an open door visible.

Second floor hallway with wooden flooring and glass staircase railing. White walls, doorways, and windows are visible in the background.

Empty room with wooden flooring, white walls, windows, and a door. Hanging wires and a wall-mounted air conditioner are visible.

Open terrace with stone structures and panoramic view of the sea bay, a cruise ship, and high rocky mountains under a clear blue sky.

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AI Summary

Luxury apartments with an area of 173 m² in an elite residential complex in Kotor are located just 100 meters from the azure sea. The spacious layout includes two cozy bedrooms and a bright living room, while three panoramic balconies offer breathtaking views of the coastline. This is an ideal offer for those who value premium comfort and proximity to the Adriatic.

ApartmentsNo. 2551

Apartment in Kotor No. 2551

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

€999,181

View: Sea view, Mountain view, City view

Details

Area

173 m²

Rooms

Bedrooms

Bathrooms

Floor

2/4

Year built

2023

Parking

Yes

To sea

100 m

Price per m²

€5,776

Part of projectResidential complex

The House Montenegro

Kotor

10 units in the project

Open

Inside the project

Description

We offer for salea duplex penthouse with a 426 m² terrace in a modern residential complex

Main features:

Interior area:173 m²
Terrace area:426.05 m²
View:360-degree panorama of the Bay of Kotor, the historic Old Town, St. John’s Fortress, and the mountain ranges
Engineering preparation:All necessary utilities have been brought to the terrace for the installation of a full summer kitchen and jacuzzi
Visual comfort:The terrace glass railings do not obstruct the panorama, allowing you to watch cruise ships moving through the bay and the lights of the evening Old Town right from your home

Design and space:

A spacious living room with panoramic windows, filled with natural light
Spacious bedrooms with premium finishes
2 bedrooms, each with a private bathroom

The complex is located near key points of the Bay of Kotor:

• Kotor Old Town (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 location makes the property especially attractive to tourists, expats, and investors.

Proximity to Tivat Airport, the historic Kotor, and the prestigious Porto Montenegro marina creates stable rental demand throughout the year.

This property hashigh income potential:

• short-term rentals during the tourist season

• long-term rentals for residents and employees of international companies

• capital growth due to the development of the region’s infrastructure

Real estate in the Bay of Kotor shows steady price growth thanks to the limited supply of quality properties and the active development of luxury resort projects.

Amenities

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

Estimated purchase transaction costs

Approximate breakdown of additional costs when buying

Property price: €999,181
Real estate transfer tax: €51,951
Notary fees: €1,509

Possible additional costs

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

Total required costs€53,460

Estimated costs to purchase the propertyTotal: €1,052,641

Location

What's nearby

SchoolGradska Muzika Kotor1.2 km
Kindergarten1.4 km
GroceriesFranca444 m
PharmacyApoteka Tea Medica 28853 m
HospitalOpšta bolnica Kotor396 m
RestaurantBahus475 m
Bus stop456 m
ATM549 m
AirportTivat Airport3.3 km
PortKotor Cruise Pirs1.0 km
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.

Apartments

Apartment in Kotor No. 2551

Kotor · Bay of Kotor

€999,181

€5,776/m²No. 2551

Taisia Golovach

Your agent

Call

Calculate mortgage

Beta · still being polished

Property price

€999,181

Loan term

yrs

5 yrs30 yrs

Interest rate

3%9%

Bank rates

Beta · still being polished

CKB Bankbest

fixed for 5 years · 7 days

5.9%

€4,971/mo

NLB Banka

variable Euribor + 4.2% · 10 days

6.3%

€5,133/mo

Erste Bank

fixed for 3 years · 14 days

6.5%

€5,215/mo

Monthly payment

€4,616

Over 240 months · at 5.0% p.a.

Loan amount€699,427

Total interest€408,391

Loan amount

€699,427

Total interest

€408,391

Total payment

€1,107,818

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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€5,776/m²No. 2551