AI Summary

A spacious 102 m² apartment in picturesque Kumbor offers ideal comfort: three bedrooms, a home office, and a fully furnished interior. Enjoy breathtaking panoramic views of the sea and mountains, located just 200 meters from the shore and within walking distance of the elite Portonovi resort.

SaleApartments#2791
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Apartment in Kumbor #2791

Current as of July 10, 2026
Kumbor · Bay of Kotor
230 000 €
View: Sea view, City view, Mountain view

Details

Area
102 м²
Rooms
4
Bedrooms
3
Bathrooms
1
Floor
2/3
Year built
2012
To sea
200 m

Description

We offer for sale a spacious apartment in Kumbor — a quiet coastal village on the shores of the Bay of Kotor, 6 km from Herceg Novi and in close proximity to the Portonovi Resort.

Key features:

  • Area: 102 m²
  • Bedrooms: 2
  • Study: 1
  • Bathroom: 1
  • Condition: fully furnished

About the apartment:

The layout includes two bedrooms, a separate study — a convenient format for those who work from home — a bathroom, and a spacious living area. The apartment is sold furnished and is ready for move-in.

Location:

  • IDEA Gourmet (Portonovi Resort) — about 900 m
  • Portonovi Resort — about 900 m
  • Kumbor beach — within walking distance
  • Herceg Novi — about 6 km
  • Tivat Airport — about 20 km
  • Dubrovnik Airport — about 30 km

Investment potential:

An apartment in Kumbor — a peaceful seaside village with clear water and minimal tourist traffic — is suitable for both permanent residence and rental. The proximity to the Portonovi Resort supports stable demand for housing in this area and makes the property attractive for those looking for peace and the sea without the bustle of large resorts.

Estimated purchase transaction costs

Approximate breakdown of additional costs when buying

Property price
230 000 €
Real estate transfer tax
8 500 €
4 500 € (3% × 150 000) + 4 000 € (5% × 80 000)

Possible additional costs

  • Cadastre applicationsfrom 30 €
  • Ownership sheets (listovi) for the dealfrom 7 €
  • Sworn translator services· per contract / hourfrom 50 €
Total required costs9 207 €
Estimated costs to purchase the propertyTotal: 239 207 €

Location

What's nearby

  • SchoolAdriatic School304 m
  • GroceriesMarket Teki77 m
  • PharmacyMaxima Pharmacy953 m
  • RestaurantRestoran Olimpija76 m
  • Bus stopOlympia75 m
  • ATM222 m
  • AirportTivat Airport11.6 km
  • PortPortonovi Marina1.2 km
  • Sea200 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 200 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
€230,000
yrs
5 yrs30 yrs
%
3%9%

Ставки банков

Beta · still being polished
CKB Bank
CKB Bankлучшая
фикс. на 5 лет · 7 дн
5.9%
€1,144/мес
NLB Banka
NLB Banka
плавающая Euribor + 4.2% · 10 дн
6.3%
€1,181/мес
Erste Bank
Erste Bank
фикс. на 3 года · 14 дн
6.5%
€1,200/мес
Monthly payment
€1,063
Over 240 months · at 5.0% p.a.
63%тело
Loan amount€161,000
Total interest€94,007
Loan amount
€161,000
Total interest
€94,007
Total payment
€255,007

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.

230 000 €
2791