€910,000

A four-bedroom, three-bathroom villa of 200 m² gross built area (180 m² net internal) across two storeys in a private residential development in Kavač, set high on the hillside with uninterrupted views over Tivat Bay, Sveti Marko Island, the Island of Flowers, and Luštica Bay with its Gary Player championship golf course. Fully furnished throughout, with underfloor heating and air conditioning, a fitted kitchen with integrated appliances and an island breakfast bar, and a separate dining area overlooking the garden. Sits on a 771 m² plot — one of the largest in the development — with ample space for a pool. Separate garage with automatic remote-controlled doors. Tivat Airport 6.9 km / 13 minutes; Kotor Old Town 5.6 km / 15 minutes.
Every house on this hillside claims a view. This one has the real thing: the full sweep of Tivat Bay from an elevated position, Sveti Marko Island and the Island of Flowers sitting in the water below, and Luštica Bay and its Gary Player championship golf course tracing the far shore. The sunsets here are genuinely spectacular, with nothing to the west blocking the sky over the bay — the kind of thing photographs struggle to convey.
The development is a terraced community of architect-built villas stepped into the hillside in Kavač, each plot cut into the slope behind its own retaining wall. The architecture is contemporary rather than traditional, but the stone base grounding each villa is a deliberate nod to the older building vernacular of Kotor and the surrounding villages — the same material read through a modern lens. This villa follows that pattern: a stone-clad ground floor beneath timber-slat and white render above, consistent with its neighbours, which keeps the street scene calm rather than competitive.
The ground floor is open-plan: kitchen, living, and dining share one continuous run of glass along the view side. The kitchen is fully fitted with integrated appliances, a granite-topped island doubling as a breakfast bar with stools, and pale shaker cabinetry against a book-matched stone splashback. The living area takes a deep modular sofa and rattan armchairs around a low stone coffee table, and the dining space — a table for six under a woven pendant light — sits in its own glazed corner overlooking the garden, distinct enough from the sofa to function as a proper room rather than an afterthought. Also on this floor, set apart from the open-plan living space, is a fourth bedroom with its own bathroom next door — genuinely flexible space that would suit a guest bedroom, home office, library, or second living room just as well as a bedroom, with the adjoining bathroom doubling as a downstairs WC for guests using the main living areas.
Upstairs, the three remaining bedrooms are simply finished — wide-plank oak flooring, white walls, AC discreetly wall-mounted. The two front-facing bedrooms share a generous terrace furnished with rattan lounge chairs, positioned to take the view straight on, and both are laid out on a hotel-style principle: bedside switches at the headboard, and wardrobe storage tucked behind the bed rather than along the window wall, so the view from the bed stays completely clear of clutter. The master of the two has its own en-suite bathroom; the second shares a bathroom with the third bedroom at the rear of the house.
All three bathrooms are finished in large-format, book-matched marble-effect ceramic — a practical choice as much as a beautiful one — with details including a freestanding bath, a glass-block shower screen, and a double-vanity family bathroom with a large-format mirror.
Outside, the 771 m² plot is one of the largest in the development. The garden is currently kept simple — lawn and decking rather than landscaped — and would benefit from a new owner's attention; several neighbouring gardens on the same hillside show what the space can become, from mature planting to a fully installed pool. A separate garage with automatic remote-controlled doors sits beside the house, in addition to the parking already accounted for on the plot.
Less than ten minutes away, the pine forest trails of Vrmac offer some of the best walking in the area — a network of shaded paths through pine woodland with clear views down over both Kotor and Tivat Bay, well used locally for walking, running, and taking the dog out. It is a genuine amenity rather than a footnote: few properties in the area have this kind of walking directly on the doorstep.
The development operates under its own community governance, under which short-term letting is prohibited by contract; medium- to long-term rental is permitted, alongside other rules designed to keep the community settled. The result is a development oriented towards owner-occupation and longer-term residency rather than high-turnover holiday letting.
Few four-bedroom villas in this development combine all three of what this one offers: a 771 m² plot among the largest in the development, an unobstructed line across the bay to Luštica Bay's championship course, and enough ground to add a pool without compromising the garden. That combination — plot, view, and headroom to develop further — is the core of the case for this property over comparable villas nearby.
A family or couple wanting genuine space and privacy on the hillside above Tivat Bay, comfortable furnishing a garden and adding a pool to their own taste rather than buying a finished product. Less suited to a buyer whose priority is a turnkey outdoor space from day one, or who wants the flexibility to let the property short-term.
Kavač sits on the hillside between Tivat and Kotor, close enough to both that residents tend to use whichever is more convenient on a given day rather than being tied to one town. This development is a quiet, recently built enclave — a car is genuinely useful here, but the essentials are close, and Kotor's Old Town and Tivat's marina life are both a short, manageable drive away.
The Kotor–Tivat coastal bus route serves the main road below the development; a car remains the practical way to manage daily life from this position on the hillside.
What I'd say across the table: this is a villa built for the people who live in it, not for a rental spreadsheet, and the governance here makes sure it stays that way — short-term letting is off the table by contract, which is exactly why the development has stayed as calm as it has. That will rule out some buyers, and it should; go in knowing it. What it won't rule out is a family who wants a proper base on this hillside, furnished and ready, with the garden and the pool left as a project for whenever they choose to take it on. Twenty years of watching this coast tells me that unbuilt potential on a plot this size, in a position this good, tends not to stay unbuilt for long once a new owner moves in.
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.

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After purchase and registration, you'll receive keys and take possession. Next steps include transferring utilities to your name, setting up building management payments if it's an apartment, getting home insurance, and—if you're renting it out—registering for tourist tax and obtaining any required permits. Your lawyer or agent can guide you through the administrative bits.
Rental income is taxed at 15% on gross receipts if you're renting short-term (tourist rentals), or you can opt for taxation on net income after expenses for long-term rentals. You'll also pay municipal tourist tax (€1 per night per guest in high season, €0.50 in low season) and need to register your rental with the tax authorities and tourism directorate.
Annual property tax is quite low—just 0.25% of the property's assessed value per year. The assessed value is typically well below market value, so you might pay €200-500 annually on a coastal apartment worth €200,000. It's collected by your local municipality and is one of Montenegro's more affordable ongoing costs.
Notary fees are set by official tariff and scale with your purchase price. For most residential properties, expect €350-€1,000 plus 21% VAT—so roughly €423-€1,210 total. A €250,000 property runs about €532 in base fees. There are also small charges for document copies and administrative filing, so your final notary bill might be slightly higher.
For resale properties, you'll pay 3% Real Estate Transfer Tax (RETT) on the purchase price. New builds from developers are zero-rated for RETT but include 21% VAT in the price—though developers can usually reclaim this VAT. Either way, budget around 3% of the purchase price for transfer taxes unless it's a new build where VAT is already included.
The notary doesn't receive or hold the money directly. Instead, the seller must confirm in writing to the notary that they've received the full purchase price. Only after the notary receives this written confirmation (and verifies tax obligations are met) will they issue the Clausula Intabulandi. Some transactions use bank confirmations for added security.
Yes, if you're married or in a registered partnership, you typically need your spouse's or partner's written consent to sell property in Montenegro, even if the property is registered solely in your name. This protects both parties' interests under matrimonial property rules. Your notary will confirm the specific requirements for your situation.
The Clausula Intabulandi is the notary's official confirmation that all legal and financial obligations have been met, allowing the property to be registered in your name. The notary issues it only after verifying you've paid the full price and all taxes. It's your green light for cadastre registration—without it, you can't become the legal owner.
Every property and owner has specific numbers that appear on contracts: your JMBG (personal ID), the seller's JMBG or company registration, and the property's cadastral parcel number (katastarska parcela/čestica). These link everything in the official registries and are essential for registration and tax purposes.
No, Montenegro doesn't have a title insurance system like the US or UK. Instead, buyers rely on comprehensive legal due diligence—your lawyer or notary checks the cadastre, ownership history, encumbrances, and permits before you commit. It's a different system, but with proper checks it's just as secure.
It depends on where your documents were issued. If you're from a Hague Convention country (which includes most Western countries), you need an apostille. If not, your documents need consular legalisation. Either way, they'll also need certified translation by a sworn court translator in Montenegro.
Your lawyer requests an official extract (List nepokretnosti) from the Real Estate Cadastre, which shows current ownership, any mortgages or liens, property boundaries, and legal description. The notary also verifies the seller's identity and legal capacity. This due diligence typically takes a few days and costs around €18-25 for the cadastre extract.
You obtain a JMBG through the local Police Directorate (MUP) by presenting your passport, proof of property ownership, and completing a simple application. The process typically takes a few days, and you'll need this number for tax declarations and property registration—even without residency.
For a straightforward resale apartment with clean paperwork, the buying process can often be completed within 3-6 weeks. More complex transactions, new builds, or mortgage-financed purchases can take longer.
Some banks do lend to foreigners, but conditions are tighter—lower loan-to-value ratios and stricter income requirements. Many foreign buyers finance through their home country or pay cash.
Officially, everything is in euros. You can convert from your home currency before sending, or in some cases settle using cryptocurrency if both parties and the notary agree—but the contract price and taxes are always euro-based.
Beyond the purchase price and transfer tax, budget for notary fees, translation, legal fees, and potentially agency commission—together, these typically add 2-4% to your total cost.
No. Most foreign buyers use a Power of Attorney to authorize someone here—your lawyer, NT Realty, or another trusted representative—to sign on your behalf.
By convention, the buyer usually pays both the notary fees and the sworn court translator fees, though this can be negotiated between parties.
Yes, and it's more straightforward than most people expect. Montenegro welcomes foreign buyers—both EU and non-EU—and you can own property in your own name without needing residency or a local company in most cases.
All costs associated with the purchase, including notary fees, real estate transfer tax (if applicable), and any legal fees, are the sole responsibility of the buyer. ntRealty bears no responsibility for the correctness of the information published here, which is based exclusively upon details provided to us by the property owner(s). ntRealty has no obligation to update, modify, or amend this listing or to notify a reader if any information, including urbanistic or cadastral data, subsequently becomes inaccurate. All listings are subject to prior sale. Agency Commission: No agency commission is charged to the buyer. The agency fee is paid by the seller.
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