€84,000

A 23 m² studio apartment with private terrace and a beautiful sea and sunset view, in Royal Blue Resort & Residences — a managed resort and residence complex on the main road between Tivat and Kotor, at the foot of the Kavač hillside. Sold fully furnished. 24-hour reception, housekeeping and maintenance on site, with a rental programme available for owners. Infinity pool with pool bar, spa, fitness centre, and the Cielo rooftop restaurant in the building. Kotor Old Town 5.4 km / 11 min; Porto Montenegro 5 km / 15 min; Tivat Airport 6.6 km / 10 min. €84,000.
There are two ways to own property in the Bay of Kotor. The first asks something of you: a garden to keep, a building to maintain, a set of keys that come with responsibilities. The second is this. Royal Blue is a purpose-built resort and residence complex run to hotel standard — 24-hour reception, housekeeping and maintenance handled, around eighty apartments from studios to penthouses — and ownership here means arriving to a place that has been looked after in your absence, and leaving without a second thought.
The studio measures 23 m², arranged as a single open living and sleeping space with a kitchenette and a bathroom with walk-in shower, and is sold fully furnished — nothing to buy, nothing to decide. Air conditioning, double-glazed windows, satellite TV.
The terrace is where this particular studio earns its place. The view is a beautiful one — open water ahead, and at the end of every day, the sun going down over it. Sea-and-sunset aspects are what buyers pay premiums for at every level of this market, from waterfront apartments to hillside villas; finding one attached to an entry-priced studio is genuinely uncommon.
What the floor plan cannot show is everything beyond the front door. The infinity pool, with its pool bar, looking down toward the water. The spa and fitness centre. And on the top floor, Cielo — the rooftop restaurant and bar, with Mediterranean cooking, a serious wine list, live piano in season, and sunset views that have earned it a following well beyond the hotel own guests.
For an owner, these are not holiday amenities; they are the daily fabric of the place. And when the apartment is not in use, a rental programme is available through the resort — a way for the studio to earn its keep, with none of the letting administration falling to the owner.
The position is one of the most practical in the bay. Royal Blue sits on the Kavač hills, equidistant to Kotor and Tivat centre. Tivat Airport is ten minutes by car, Porto Montenegro fifteen, Kotor Old Town eleven in the other direction, and the supermarkets and daily essentials of Mrčevac five. Few addresses in the bay put both towns, the airport, and the shops inside a quarter of an hour.
At €84,000 — this is among the most accessible entry points to the Bay of Kotor on the market, and very likely the only one with a beautiful open sea view and hotel infrastructure attached.
Key Features
- 23 m² studio plus private terrace, Royal Blue Resort & Residences, Kavač
- Beautiful sea and sunset views from the terrace
- Sold fully furnished — move-in or rent-out ready
- Managed complex: 24-hour reception, housekeeping, maintenance on site
- Rental programme available through the resort — income with no letting administration
- Infinity pool with pool bar; spa; fitness centre; café
- Cielo rooftop restaurant and bar — Mediterranean dining, bay views, live piano in season
- Open-plan living/sleeping space, kitchenette, bathroom with walk-in shower
- Air conditioning, double-glazed windows, satellite TV
- Excellent location
- Tivat Airport 10 min; Porto Montenegro 15 min; Kotor Old Town 11 min
Entry-level property in the Bay of Kotor usually means a compromise: an older apartment in a walk-up block, no view, no management, no facilities, and a list of maintenance questions that land on the owner. Royal Blue inverts all of it. At €84,000, this is one of the very few ways to own in the bay with hotel infrastructure attached — pool, spa, rooftop restaurant, staffed building — and the view of the sea and sunset puts it in territory that entry-priced property almost never reaches. For a buyer measuring entry price against income potential and zero personal upkeep, there is essentially nothing else in Kotor municipality structured this way at this figure.
An investor or frequent visitor who wants a foothold in the bay without the responsibilities of one — somewhere that earns when they are absent and is serviced when they arrive. Well suited as a first Montenegro purchase, and a sensible base for anyone whose pattern is two weeks here, six weeks away. Not the right property for a buyer who needs year-round living space, storage, or room to grow: 23 m² is a base, not a family home, and it should be bought as one.
Kavač occupies the southern slopes of Vrmac, the forested ridge between the inner bay and the open Adriatic. The hillside above is quiet and residential — no promenade, no summer crowds — but Royal Blue sits at its most connected point, directly on the Tivat–Kotor road.
Immediately nearby
- Cielo Rooftop Restaurant: in the building — bay views, rated 4.5, live piano in season
- Restoran Nadoveza: approx. 2.5 km / 5 min — over 1,000 reviews at 4.9 stars; a genuinely local institution that earns that score by doing the everyday things exceptionally well
- Royal Blue Beach: approx. 2.1 km / 4 min — nearest beach
- Mini-Market Kava (Kavač village): approx. 3–4 min — daily essentials
- Mrčevac — approx. 5 min by car
- Wine Empire: one of the bays most serious wine and spirits merchants — a broad, well-curated selection covering boutique European producers alongside the well-known labels
- MonteFish: fresh catch daily, presented with real care — think Harrods Food Hall rather than market stall; the sort of place that becomes a weekly habit</li>
- Pekara Davidović bakery; Fresh Corner café; Idea supermarket; Apoteka Help pharmacy<
- Bus stop — coastal service toward Tivat
By car
- HDL and Voli supermarkets (Radanovići): approx. 4.2 km / 8 min
- Kotor Old Town: 5.4 km / 11 min
- Porto Montenegro: 5 km / 15 min
- Luštica Bay (Centrale): approx. 12 km / 15 min
- Plavi Horizonti (Trašte Bay) Blue Flag beach: approx. 12 km / 15 min
- Tivat Airport (TIV): 6.6 km / 10 min
- Podgorica Airport (TGD): approx. 76 km / 1 hr 35 min
- Dubrovnik Airport (DBV): approx. 61 km / 1 hr 30 min (border crossing — allow extra time in season)
Medical
- Apoteka Help pharmacy (Mrčevac): approx. 5 min</li>
- Milmedika Clinic (Porto Montenegro): approx. 4.7 km / 13 min — a modern private clinic opened in 2024, offering a comprehensive range of specialist services and full laboratory facilities under one roof</li>
- Hospital and full medical services: Kotor, approx. 11 min</li>
Most of what we sell in the bay asks the buyer to take something on — a garden, a renovation, a building with nobody at the desk. This asks for nothing. It is small, and we will not pretend otherwise: 23 m² is a studio, and it suits a buyer who understands exactly what they are purchasing — a serviced base in the bay that pays its way when empty. But look at what €84,000 actually buys here. A beautiful sea and sunset view — the thing every buyer on this coastline asks for first and pays for hardest. A fully furnished apartment with nothing left to do. A staffed building with an infinity pool, a spa, and a rooftop restaurant upstairs. We see apartments at twice this price with none of it. For a first step into the Montenegrin market, this is one of the most sensible purchases currently available in the bay — and at this price, with this view, we do not expect it to be available for long.
Get in touch, schedule your viewing!
NT Realty is a boutique real estate agency based in Tivat, Montenegro. Founded by Peter Flynn, who first came to the Bay of Kotor in 2005 as a property investor and has since built businesses across real estate development, architecture, and interior design, the agency is run alongside Maša Flynn — architect and former Head of Design at Porto Montenegro, where she delivered over €60 million of projects on time and on budget. Between them they bring a depth of local market knowledge that is difficult to find elsewhere in the region.
The team specialises in properties for sale and long-term rentals across the Bay of Kotor, Tivat Bay, and the Luštica Peninsula — from Porto Montenegro and Luštica Bay to private homes throughout the wider region. Our job is to guide buyers, sellers, and tenants through the process clearly, honestly, and without unnecessary complexity.

Saznajte više o životu u Tivtu: Stvari koje treba raditi i vidjeti u Tivtu
Nakon kupovine i registracije, dobit ćete ključeve i preuzmite posjed. Sljedeći koraci uključuju prijenos komunalnih usluga na vaše ime, postavljanje plaćanja za upravljanje zgradom ako se radi o stanu, dobivanje kućnog osiguranja i - ako ga iznajmljujete - registraciju za turističku taksu i dobivanje svih potrebnih dozvola. Vaš advokat ili agent može vas voditi kroz administrativne dijelove.
Prihod od najma oporezuje se u iznosu od 15% na bruto prihode ako iznajmljujete kratkoročni (turistički najam), ili se možete odlučiti za oporezivanje neto prihoda nakon troškova za dugoročni najam. Također ćete platiti opštinsku turističku taksu (1€ po noćenju po gostu u visokoj sezoni, 0,50€ u niskoj sezoni) i morate prijaviti najam kod poreskih vlasti i uprave za turizam.
Godišnji porez na imovinu prilično je nizak - samo 0,25% procjenjene vrijednosti imovine godišnje. Procijenjena vrijednost obično je znatno ispod tržišne vrijednosti, tako da biste mogli plaćati 200-500 eura godišnje za obalni stan u vrijednosti od 200.000 eura. Prikuplja ga vaša lokalna opština i jedan je od pristupačnijih tekućih troškova Crne Gore.
Javnobilježničke naknade se određuju službenom tarifom i skalom s vašom otkupnom cijenom. Za većinu stambenih nekretnina očekujte 350-1.000 € plus 21% PDV-a - dakle otprilike 423-€1.210 ukupno. Nekretnina od 250.000 eura iznosi oko 532 eura osnovnih naknada. Postoje i male naknade za kopije dokumenata i administrativno podnošenje, tako da bi vaš konačni bilježnički račun mogao biti nešto veći.
Za nekretnine za preprodaju platićete 3% poreza na prijenos nekretnina (RETT) na kupoprodajnu cijenu. Nove verzije programera imaju nultu ocjenu za RETT, ali uključuju 21% PDV-a u cijenu - iako programeri obično mogu povratiti ovaj PDV. U svakom slučaju, budžet je oko 3% otkupne cijene za poreze na transfer osim ako se radi o novoj gradnji u kojoj je PDV već uključen.
Javni bilježnik ne prima ili drži novac direktno. Umjesto toga, prodavač mora pismeno potvrditi kod javnog bilježnika da je primio punu kupovnu cijenu. Tek nakon što javni bilježnik dobije ovu pismenu potvrdu (i potvrdi da su ispunjene poreske obaveze) izdat će Clausula Intabulandi. Neke transakcije koriste bankovne potvrde za dodatnu sigurnost.
Da, ako ste u braku ili ste u registrovanom partnerstvu, obično vam je potrebna pismena saglasnost supružnika ili partnera za prodaju imovine u Crnoj Gori, čak i ako je imovina registrovana isključivo na vaše ime. Ovo štiti interese obje strane prema pravilima bračne imovine. Vaš javni bilježnik će potvrditi posebne zahtjeve za vašu situaciju.
Clausula Intabulandi je službena potvrda javnog bilježnika da su ispunjene sve zakonske i finansijske obaveze, omogućavajući registraciju imovine na vaše ime. Javni bilježnik ga izdaje tek nakon što potvrdi da ste platili punu cijenu i sve poreze. To je vaše zeleno svjetlo za registraciju katastra - bez njega ne možete postati zakonski vlasnik.
Svaka nekretnina i vlasnik ima određene brojeve koji se pojavljuju na ugovorima: vaš JMBG (osobna iskaznica), JMBG prodavca ili registraciju preduzeća i broj katastarske parcele nekretnine (katastarska parcela/čestica). Oni povezuju sve u službenim registrima i bitni su za potrebe registracije i poreza.
Ne, Crna Gora nema sistem osiguranja vlasništva poput SAD-a ili Velike Britanije. Umjesto toga, kupci se oslanjaju na sveobuhvatnu pravnu dužnu pažljivošću - vaš advokat ili javni bilježnik provjerava katastar, istoriju vlasništva, terete i dozvole prije nego što se obvezate. To je drugačiji sistem, ali uz odgovarajuće provjere jednako je siguran.
Ovisi o tome gdje su vaši dokumenti izdani. Ako ste iz zemlje Haške konvencije (koja uključuje većinu zapadnih zemalja), potreban vam je apostil. Ako ne, vaši dokumenti trebaju konzularnu legalizaciju. U svakom slučaju, trebat će im i ovjereni prevod od strane zakletog sudskog prevoditelja u Crnoj Gori.
Vaš advokat traži službeni izvod (List nepokretnosti) iz Katastra nekretnina, koji pokazuje trenutno vlasništvo, bilo kakve hipoteke ili zaloge, granice imovine i pravni opis. Javni bilježnik također provjerava identitet prodavatelja i pravnu sposobnost. Ova dubinska analiza obično traje nekoliko dana i košta oko 18-25 eura za izvod iz katastra.
JMBG dobijate preko lokalne Uprave policije (MUP) predočenjem pasoša, dokaza o vlasništvu imovine i popunjavanjem jednostavne prijave. Proces obično traje nekoliko dana, a ovaj broj će vam trebati za poreske prijave i registraciju imovine - čak i bez prebivališta.
Za jednostavan stan za preprodaju sa čistom papirologijom, proces kupovine često se može završiti u roku od 3-6 tjedana. Složenije transakcije, nove gradnje ili kupovine koje se finansiraju hipotekom mogu potrajati duže.
Neke banke pozajmljuju strancima, ali su uslovi stroži - niži omjeri kredita i vrijednosti i stroži zahtjevi za prihodom. Mnogi strani kupci finansiraju preko svoje matične zemlje ili plaćaju gotovinom.
Zvanično, sve je u eurima. Možete pretvoriti iz matične valute prije slanja, ili u nekim slučajevima poravnati pomoću kriptovalute ako se obe strane i javni bilježnik slažu - ali cijena ugovora i porezi su uvijek zasnovani na euru.
Osim kupovne cijene i poreza na transfer, budžeta za notarske naknade, prevođenja, pravnih naknada i potencijalno agencijske provizije - zajedno, oni obično dodaju 2-4% vašeg ukupnog troška.
Ne. Većina stranih kupaca koristi punomoć kako bi ovlastila nekoga ovdje - vašeg advokata, NT Realty ili drugog pouzdanog predstavnika - da potpiše u vaše ime.
Po konvenciji, kupac obično plaća i javnobilježničke naknade i naknade za zakletog sudskog prevoditelja, iako se o tome može pregovarati između strana.
Da, i to je jednostavnije nego što većina ljudi očekuje. Crna Gora pozdravlja strane kupce - kako iz EU tako i izvan EU-a - i možete posjedovati imovinu na svoje ime bez potrebe za prebivalištem ili lokalnom kompanijom u većini slučajeva.
Svi troškovi vezani za kupovinu, uključujući javnobilježničke naknade, porez na prijenos nekretnina (ako je primjenjivo) i bilo kakve pravne naknade, isključiva su odgovornost kupca. nTRealty ne snosi odgovornost za ispravnost ovdje objavljenih informacija, a koja se zasniva isključivo na detaljima koje su nam dostavili vlasnici nekretnine. NTrealty nema obavezu ažurirati, mijenjati ili izmijeniti ovaj popis ili obavijestiti čitatelja ako bilo kakve informacije, uključujući urbanističke ili katastarski podaci, naknadno postaju netočni. Svi oglasi su predmet prethodne prodaje. Agencijska provizija: Kupcu se ne naplaćuje agencijska provizija. Agencijsku naknadu plaća prodavač.
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