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AI Summary

A luxurious villa of 402 sqm in the heart of the Bay of Kotor — the perfect combination of privacy and premium comfort just 800 meters from the sea. This spacious house with 4 bedrooms, a stylish living room, and its own pool will be your ideal place to relax under the gentle Montenegrin sun.

VillasNo. 1081

Villa in Herceg Novi No. 1081

Bay of Kotor, Topla, Montenegro
€885,000
View: Sea view

Details

Area
402 m²
Land area
350 m²
Bedrooms
4
Parking
Yes
To sea
800 m
Price per m²
€2,201

Description

For sale: villa with 402 m2 of living space + garage of 120 m2 (with direct entry into the house from the garage).
Plot of 350 m2 with a 40 m2 pool. The terrace offers a wonderful sea view. The house has a solar hot water heating system (500 L water heater and top-category parapet air conditioners). All bathrooms have underfloor heating.
Layout:
1st floor - large living room, kitchen, dining room, fireplace, bedroom, and bathroom.
2nd floor - two separate units, each with a bedroom, dressing room, bathroom, and a large shared terrace.
3rd floor - high attic space with a large bathroom (shower cabin, jacuzzi bathtub...), walk-in closet, and a large studio.
In addition to the above levels and rooms, there is also a semi-basement with a laundry room, storage room, technical room (solar boiler, hydrophone), and a space for a gym, sauna, and wine cellar. The entire plot is enclosed by high walls for privacy. The villa faces south, towards the sea, and enjoys sunlight all day. Views of the Bay of Kotor from all levels of the plot.
Shops, a fitness center, and a clinic are located 800 m away. It takes 5 minutes by car to reach the center of Herceg Novi, and 15 minutes on foot or a few minutes by car to the promenade and beach.

Amenities

Swimming poolSea ViewAir conditioningParkingGardenTerrace

Estimated purchase transaction costs

Approximate breakdown of additional costs when buying

Property price
€885,000
Property transfer tax
€45,100
€4,500 (3% × 150,000) + €17,500 (5% × 350,000) + €23,100 (6% × 385,000)

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€46,517
Estimated costs to purchase the propertyTotal: €931,517

Location

What's nearby

  • SchoolOsnovna škola “Milan Vuković”1.0 km
  • Kindergarten937 m
  • GroceriesSnadbijevanje herceg novi49 m
  • PharmacyTea Medica57 m
  • HospitalPorodilište Meljine1.4 km
  • RestaurantCastello56 m
  • Bus stop40 m
  • ATMPrva Banka Crne Gore197 m
  • AirportTivat Airport16.2 km
  • PortMarina - Škver518 m
  • 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
€885,000
yrs
5 yrs30 yrs
%
3%9%

Bank rates

Beta · still being polished
CKB Bank
CKB Bankbest
fixed for 5 years · 7 days
5.9%
€4,403/mo
NLB Banka
NLB Banka
variable Euribor + 4.2% · 10 days
6.3%
€4,546/mo
Erste Bank
Erste Bank
fixed for 3 years · 14 days
6.5%
€4,619/mo
Monthly payment
€4,088
Over 240 months · at 5.0% p.a.
63%principal
Loan amount€619,500
Total interest€361,722
Loan amount
€619,500
Total interest
€361,722
Total payment
€981,222

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.

€885,000
€2,201/m²No. 1081