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AI Summary

For sale: a stylish 1-bedroom apartment (55.32 m²) in the prestigious Luštica Bay project. A spacious living room combined with a kitchen and a cozy terrace create an ideal living space, while panoramic windows fill the home with light. Fully furnished apartment with city and courtyard views, ready for comfortable living.

Residential complexesNo. 2698

Apartment in Luštica No. 2698

Lustica
€437,500
View: Yard view, City view

Details

Area
55.32 m²
Rooms
2
Bedrooms
1
Bathrooms
1
Year built
2025
Centrale
Part of projectResidential complex

Centrale

Lustica
10 units in the project
Open
Inside the project

Description

We offer for sale a 1-bedroom apartment in the Centrale area, Luštica Bay — a modern residential quarter within one of the most ambitious projects on the coast of Montenegro. 

Key features:

  • Total area: 55.32 m²
  • Terrace: 6 m²
  • Bedrooms: 1
  • Bathrooms: 1

About the apartment:

The apartment has a convenient and very "livable" layout — a spacious living room with a kitchen and dining area, a separate bedroom, and a terrace that naturally extends the living space. Thanks to large windows, the apartment is filled with light almost all day.

The interior is done in calm natural shades: light stone, wood, minimalist furniture, and a soft Mediterranean palette. The space looks neat, modern, and without being overloaded with details.

About the Centrale area:

Centrale is the new center of daily life within Luštica Bay. The area is developing as a full-fledged residential quarter with urban infrastructure, green spaces, and the atmosphere of a small Mediterranean town. It is comfortable not only in summer — the area is designed specifically for year-round living.

Within walking distance:

  • Piazza Centrale
  • cafes, restaurants, and bakeries
  • supermarkets and shops
  • promenade streets and green areas
  • sports infrastructure
  • future international school and medical center
  • internal transport to Marina Village and beaches

Property owners in Luštica Bay receive access to the entire complex infrastructure:

  • beaches and beach clubs
  • yacht marina and Marina Village promenade
  • 5-star hotel The Chedi Luštica Bay
  • spa and wellness infrastructure
  • tennis and padel courts
  • future golf club The Peaks
  • concierge service and property management
  • 24-hour complex security

Location:

  • Tivat Airport — about 15 minutes by car
  • Kotor — about 20 minutes
  • Budva — about 35 minutes
  • Luštica Bay beaches — a few minutes by shuttle or car

Investment potential:

One-bedroom apartments in Centrale remain one of the most sought-after formats within Luštica Bay. Due to a more affordable price compared to Marina Village, a modern area, and growing infrastructure, such properties are well-suited both for personal living and for rental — especially in long-term format and outside the high season.

Amenities

IntercomAlarm systemAir conditioningCity viewManagement companyElevatorFully furnishedTerrace

Estimated purchase transaction costs

Approximate breakdown of additional costs when buying

Property price
€437,500
Property transfer tax
€18,875
€4,500 (3% × 150,000) + €14,375 (5% × 287,500)

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€19,820
Estimated costs to purchase the propertyTotal: €457,320

Location

What's nearby

  • GroceriesCity630 m
  • RestaurantResoran Astoria381 m
  • Bus stop419 m
  • ATM1.6 km
  • AirportTivat Airport4.9 km
  • PortAeroport Marina3.7 km
  • Sea508 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.
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
€437,500
yrs
5 yrs30 yrs
%
3%9%

Bank rates

Beta · still being polished
CKB Bank
CKB Bankbest
fixed for 5 years · 7 days
5.9%
€2,176/mo
NLB Banka
NLB Banka
variable Euribor + 4.2% · 10 days
6.3%
€2,247/mo
Erste Bank
Erste Bank
fixed for 3 years · 14 days
6.5%
€2,283/mo
Monthly payment
€2,021
Over 240 months · at 5.0% p.a.
63%principal
Loan amount€306,250
Total interest€178,817
Loan amount
€306,250
Total interest
€178,817
Total payment
€485,067

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.

€437,500
No. 2698