AI Summary

A spacious 240 sq. m house in the picturesque Bay of Kotor will be an ideal place for a large family, offering five cozy bedrooms and bright common areas for relaxation. The property is located just 800 meters from the sea and combines comfort, a functional layout, and the unique atmosphere of the Montenegrin coast for the price of 320,000 euros.

House in Herceg Novi No. 1064

Bay of Kotor, Topla, Montenegro
320 000 €
View: Sea view

Details

Area
240 м²
Land area
350 м²
Bedrooms
5
Bathrooms
3
Parking
Yes
To sea
800 m
Price per m²
1 333 €

Description

A three-story house for sale in Herceg Novi, Topla district. The house has a total area of 240 m2 and is located on a plot of 350 m2. The distance to the sea is 800 meters.
From the house grounds and terraces, there is a panoramic view of the sea and the city. The house is equipped with air conditioning, internet, television, an additional water tank, and there is a storage room on the property. The yard has many fruit trees and flowers. House layout:
1st floor: garage
2nd floor: two separate apartments, each with a kitchen with a living room, a bedroom, and a bathroom.
3rd floor: a three-bedroom apartment, three bedrooms, each with access to its own terrace, a kitchen with a living room, and a bathroom.

Estimated purchase transaction costs

Approximate breakdown of additional costs when buying

Property price
320 000 €
Real estate transfer tax
13 000 €
4 500 € (3% × 150 000) + 8 500 € (5% × 170 000)

Possible additional costs

  • Cadastre applicationsfrom 30 €
  • Ownership sheets (listovi) for the dealfrom 7 €
  • Sworn translator services· per contract / hourfrom 50 €
Total required costs13 801 €
Estimated costs to purchase the propertyTotal: 333 801 €

Location

What's nearby

  • AirportSjenica Air Base657.2 km
  • PortLedena Pecina Sjenica651.1 km
  • 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
€320,000
yrs
5 yrs30 yrs
%
3%9%

Ставки банков

Beta · still being polished
CKB Bank
CKB Bankлучшая
фикс. на 5 лет · 7 дн
5.9%
€1,592/мес
NLB Banka
NLB Banka
плавающая Euribor + 4.2% · 10 дн
6.3%
€1,644/мес
Erste Bank
Erste Bank
фикс. на 3 года · 14 дн
6.5%
€1,670/мес
Monthly payment
€1,478
Over 240 months · at 5.0% p.a.
63%тело
Loan amount€224,000
Total interest€130,792
Loan amount
€224,000
Total interest
€130,792
Total payment
€354,792

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.

320 000 €
1 333 €/m²1064