Kotor Bay

Tivat | Tivat Municipality

The Poetry of

Mediterranean Life

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Montenegro Properties

Presented At

€430,000

Bedrooms

Bathrooms

Living

1,281

SQFT

Kotor Bay, Tivat, Kotor Bay, Tivat, Tivat Municipality, Montenegro. - Photo 1

Kotor Bay, Tivat, Kotor Bay, Tivat, Tivat Municipality, Montenegro. - Photo 2

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Kotor Bay, Tivat, Kotor Bay, Tivat, Tivat Municipality, Montenegro. - Photo 6

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Kotor Bay

Tivat | Tivat Municipality

Kotor Bay, Tivat, Kotor Bay, Tivat, Tivat Municipality, Montenegro. , Tivat , Tivat Municipality

Kotor Bay Apartment

Apartment area: 119 m2 (89 m2 + 30 m2 terrace) Bedrooms: 2 Bathrooms: 2 Floor: 2nd Floor heating, ADSL, CaTV Infinity swimming pool: 100sq m Luxury apartment with breathtaking views of the sea and Tivat bay. The apartment is part of a residential complex which consists of three beautifully designed buildings, with centrally positioned pool of 100m2. Parking space is located along the access road, with enough space for all apartment owners. The apartment of consists of two bedrooms, living room with kitchen and dining area, two bathrooms and a large terrace with open views of the sea and the Sveti Marko island. It is equipped with floor heating, cable TV connections and ADSL internet. The apartment is sold fully furnished. The courtyard of the complex is carefully designed and landscaped with centrally positioned pool. Distance to Tivat: 3km Kavac is a Vrmac hillside village located between the cities of Tivat and Kotor.

Property

3D Street View Tour

Property Location

Kotor Bay, Tivat, Kotor Bay, Tivat, Tivat Municipality, Montenegro., Tivat Tivat Municipality

Local Weather & Climate

Tivat, Tivat Municipality

Current Conditions Updated recently

55 °F

Overcast clouds

Feels Like 55°F

Humidity 94%

Wind 12 mph

Visibility 6.2 mi

Sunrise 6:06 AM

Sunset 3:47 PM

5-Day Forecast

Sun 25 Jan

Rain

High 59°

Low 55°

Mon 26 Jan

Rain

High 52°

Low 46°

Tue 27 Jan

Clouds

High 56°

Low 47°

Wed 28 Jan

Rain

High 52°

Low 50°

Thu 29 Jan

Rain

High 51°

Low 49°

Annual Climate Based on last 12 months

59° Avg Low

Jan

70° Avg High

Aug

155 Rainy Days

per year

Arid

Semi-Arid

Moderate

Wet

77.9" Annual Rainfall

Wet climate

❄

2 Snow Days

per year

Monthly Temperatures

Jan

54°

44°

Feb

56°

47°

Mar

60°

48°

Apr

66°

54°

May

72°

60°

Jun

83°

71°

Jul

87°

74°

Aug

91°

79°

Sep

82°

69°

Oct

69°

58°

Nov

61°

53°

Dec

58°

47°

Data from OpenWeatherMap & Open-Meteo

Walkability & Transit Scores

How easy is it to get around Tivat?

Walkability and transit scores for this address come from the EPA National Walkability Index.

Mortgage Calculator

Estimate your monthly payments for this property

Home Price

€

Down Payment

€100,000

Interest Rate

Loan Term

Estimated Monthly Payment $3,160

Monthly Payment Breakdown

Principal & Interest $2,528

Loan Amount $400,000

Total Interest $337,621

Total Cost $737,621

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Important Information

This calculator is for illustrative purposes only and does not constitute a loan offer, pre-approval, or commitment to lend.
Monthly payment estimates do not include property taxes, homeowner's insurance, HOA fees, or other applicable costs which may significantly increase your actual payment.
Interest rates shown are for demonstration only. Actual rates depend on your credit score, down payment, loan type, property location, and current market conditions.
This tool provides estimates only. Consult with a licensed mortgage professional for accurate quotes and personalized advice.
Tax benefit calculations are simplified estimates based on general assumptions for Eurozone. Actual deductions depend on your specific tax situation, filing status, and current tax laws.
Tax Year Information: Tax data shown is based on Eurozone tax year 2025 (fiscal year: January-December). Tax laws change frequently and may have been amended since this data was compiled.

Limitation of Liability: By using this calculator, you acknowledge that all results are approximations and should not be relied upon for financial, legal, or tax decisions. openluxe, its affiliates, officers, directors, employees, and agents expressly disclaim all liability for any damages, losses, or consequences arising from the use of or reliance on this calculator or the information provided herein. openluxe is not a lender, financial advisor, or tax professional and does not provide mortgage loans, financial advice, or tax advice. Use of this calculator does not create any professional relationship.

$430,000

Kotor Bay, Tivat, Kotor Bay, Tivat, Tivat Municipality, Montenegro.

Tivat, Tivat Municipality

2 Beds

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Market Opinion

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Our perspective on current market conditions in Tivat. For informational purposes only — always consult a licensed real estate professional before making decisions.

Market Analysis

International luxury real estate typically appreciates steadily over time.

Buyer Score

Estimated regional appreciation: 4% annually

Ultra-luxury properties tend to be more resilient during market downturns

Future Value & Wealth Building

Starting investment: $43,000,000 20% down ($8,600,000)

Investment Perspective

$1 → $1.36

Every dollar invested today could become $1.36 in 10 years

$100 → 136 $1,000 → $1,362

$3,695/day

Your home may appreciate while you sleep

$25,936/week $112,389/mo $1,348,668/yr

$100K Investment Comparison (10 Years)

Real Estate (Leveraged)

$281K

S&P 500 Index

$259K

High-Yield Savings

$155K

Real estate leverage: potential 8% advantage over stocks

-$23.7M

+$33.6M

$33.6M Potential Equity

vs $23.7M lost to rent over 10 years

$8.6M Down Payment Growth

3.9x

10yr

$33.6M

8.1x

20yr

$69.5M

12.6x

30yr

$108.6M

Wealth Comparison

×259

Equivalent to 259 average US homes

top 5%

US household wealth ranking

Median: $193K Yours: $108.6M

Time to Double Your Investment (accounting for market cycles)

42.4

years

Conservative

1.65% effective/yr

22.4

years

Market-Based

3.14% effective/yr

15.3

years

Optimistic

4.62% effective/yr

Projected Home Values (adjusted for market cycles)

10 Years

Conservative $50.6M +18%

Market $58.6M +36%

Optimistic $67.6M +57%

$33.6M est. equity

20 Years

Conservative $59.6M +39%

Market $79.7M +85%

Optimistic $106.2M +147%

$69.5M est. equity

30 Years

Conservative $70.2M +63%

Market $108.6M +153%

Optimistic $166.9M +288%

$108.6M est. equity

These projections are estimates only and actual results may vary. Past performance does not guarantee future results.

Important Disclaimer

The information presented in this Market Opportunity Opinion is provided for informational and educational purposes only and should not be construed as financial, investment, legal, or real estate advice. This analysis represents our opinion based on publicly available data and should not be relied upon as the sole basis for any real estate or investment decision.

No Guarantee of Accuracy: While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the data, projections, or analysis contained herein. Market conditions can change rapidly and unpredictably.

Not Professional Advice: This content does not constitute professional real estate, financial, or investment advice. We strongly recommend consulting with qualified professionals—including licensed real estate agents, financial advisors, attorneys, and tax professionals—before making any real estate or investment decisions.

Past Performance Disclaimer: Historical data and trends presented do not guarantee future results. Real estate markets are subject to numerous factors beyond the scope of this analysis, including economic conditions, interest rates, local regulations, and unforeseen events.

By viewing this information, you acknowledge that you understand these limitations and agree that the property owner, listing agent, brokerage, and platform providers shall not be held liable for any decisions made based on this analysis.

Data from World Bank and regional real estate market research | Estimates based on historical appreciation trends

Frequently Asked Questions

Common questions about this property

How many bedrooms and bathrooms does Kotor Bay, Tivat, Kotor Bay, Tivat, Tivat Municipality, Montenegro have?

This apartment at Kotor Bay, Tivat, Kotor Bay, Tivat, Tivat Municipality, Montenegro features 2 bedrooms with 1,281 square feet of living space.

What is the size of Kotor Bay, Tivat, Kotor Bay, Tivat, Tivat Municipality, Montenegro?

This property offers 1,281 square feet of living space.

What is the listing price for Kotor Bay, Tivat, Kotor Bay, Tivat, Tivat Municipality, Montenegro?

This property is listed at $43,000,000, which equals $33568 per square foot.

Is now a good time to buy a home in Tivat?

Based on current market indicators, Tivat shows an active market. The market opportunity score is 65 out of 100, reflecting factors like price trends, inventory levels, and days on market.

What is the climate like in Tivat?

Tivat features a pleasant climate. Average temperatures range from 59°F in winter to 70°F in summer. The area receives approximately 77.9 inches of precipitation annually. There are about 155 days with rain throughout the year. Expect around 2 days with snow. This climate information can help you plan for seasonal activities and energy costs.

What are the best months to visit or move to Tivat?

Tivat tends to be warmest in Aug and coldest in Jan. The shoulder seasons of spring and fall often offer the most comfortable weather for moving and outdoor activities.

What type of property is Kotor Bay, Tivat, Kotor Bay, Tivat, Tivat Municipality, Montenegro?

This is a apartment located in Tivat, Tivat Municipality. The property is situated in an established neighborhood with convenient access to local amenities and services.