.jpg)
Attractive One Bedroom Apartment in Central Area of Tivat for Sale
€265,000
Maša Flynn
Features
Explore in 3D
Guided Video Tour
In Brief
A fully furnished 69 m² one-bedroom, one-bathroom apartment on the first floor of a residential building in Mažina, Tivat. It has two terraces, allocated outdoor parking for residents, and is offered at €265,000. There is no lift; the apartment is reached by a single flight of stairs.
Description
The apartment sits on a quiet street in Mažina, Tivat, just above the town centre and beneath the green hills of Mažina. It is a bright, easy home: generous windows and glazed doors draw daylight deep into every room, and with openings on all four sides of the apartment, the light shifts gently through the day. All windows are fitted with louvred wooden shutters, which keep the rooms cool in the summer sun and protected in rough weather.
The living space is one open room – sitting area, dining table and kitchen together – with tall glazed doors opening onto the main terrace. A wall of full-height fitted cabinetry with open shelving keeps storage out of sight. The kitchen pairs cream handleless units with rustic timber upper cabinets, an integrated oven and a ceramic hob, while light oak-effect floors and warm spotlighting give the room a relaxed, comfortable feel.
The main terrace wraps around the corner of the building. It is wide enough for outdoor dining and loungers, with open sky, pines to one side and views up to the hills. The bedroom has a double bed, a built-in wardrobe and TV wall, and full-height doors that open onto a second, covered terrace, framed by stone cladding and timber shutters, with mountain views to the east. The fully tiled bathroom has a glass-screened walk-in shower, a long vanity with mirrored cabinets, a wall-hung WC, a washing machine and an electric water heater.
Key Features
- 69 m² one-bedroom, one-bathroom apartment
- Windows on all four sides – natural light throughout the day
- Two terraces: a spacious corner terrace off the living room and a covered terrace off the bedroom
- Open-plan living, dining and kitchen
- Full-height fitted storage and built-in bedroom wardrobe
- Timber-framed windows with louvred wooden shutters
- Walk-in shower and washing machine in the bathroom
- Allocated outdoor parking for residents
- Fully furnished
- A few minutes' walk to Tivat centre, the Pine promenade and Porto Montenegro
What Sets It Apart
Location is the strongest card here. From a calm residential street, the town park, the waterfront promenade, Porto Montenegro and the centre of Tivat are all within a few minutes' walk, along with beaches, bars, restaurants, banks, the post office, shops and supermarkets. Daily life works on foot, and the car can stay parked.
The apartment is fully furnished and ready to move into. A buyer can settle in, or start letting it, from the day of completion with no work required.
It is also a sound investment. Central Tivat draws steady demand all year – short-stay visitors in summer, and Porto Montenegro staff, yacht crew and families looking for long-term homes – and a furnished one-bedroom with two terraces and parking, a short walk from the seafront, suits both markets well.
Buyer Lens
For investors, the apartment offers a central address, year-round rental demand and the flexibility to let short or long term, with Tivat Airport less than ten minutes away by car. For holiday letting, a furnished one-bedroom with a large terrace, parking and walkable access to the seafront appeals to couples and small families. As a home, it is a manageable, well-planned space for a couple or small family, with schools nearby and room to spread out on the terrace in the warmer months. For remote workers, bright rooms, a quiet street and everything the town offers within walking distance make for an easy daily rhythm.
Local Amenities
On Foot
Tivat's essentials are all close at hand. The post office is ~6 min away (~450 m) and the town centre, with its cafés, bars, restaurants, banks, shops and supermarkets, is just a few minutes further. The Pine waterfront promenade and the town beach are both ~8–9 min away (~650 m), as is Tivat's large town park (~650 m). Porto Montenegro, with its marina, restaurants and boutiques, is ~12 min on foot (~950 m).
Schools
Families are well placed. Tivat's public primary school, OŠ Drago Milović, is ~6 min away on foot (~450 m), and the public secondary school, SMŠ Mladost, is ~7 min (~500 m). Knightsbridge Schools International is also within walking distance, at ~7 min (~550 m). Arcadia International School in Lješevići is ~13 min by car (~6.6 km).
Public Transport
Tivat bus station is ~7 min on foot (~550 m), with local and intercity connections along the coast and inland. Tivat Airport is ~3 km away – around 10 minutes by car or taxi.
By Car
Kotor Old Town is ~13 km away (~25 min) and Budva ~24 km (~40 min), with journey times longer in peak summer traffic. Podgorica Airport is ~90 km (~1 hr 45 min), and Dubrovnik Airport in Croatia ~48 km (~1 hr 30 min, depending on the border crossing).
Agent's Honest Take
This is a well-proportioned, sunlit one-bedroom in a part of Tivat where the location does much of the work. The two terraces and the amount of daylight are the real assets, and they are not easy to find at this price in the centre. It is on the first floor with no lift, so expect one flight of stairs, and parking is outdoors rather than in a garage. Views are of hills, greenery and the neighbourhood rather than the sea. The furnishings are comfortable and in good order, though some buyers may want to refresh them to their own taste. For anyone looking for a central base to live in or let out, it is a sensible, practical buy.
Contact ntRealty to arrange a viewing or request further details.
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.
Map
Neighbourhood Guide
Explore Tivat
Learn More about living in Tivat: Things to Do and See in Tivat
Frequently Asked Questions
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.
Disclaimer: Purchase Costs & Information Accuracy
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.
Similar Properties
.jpg)
Get Montenegro real estate updates directly in your inbox.
Are you interested in buying a home? Look no further than working with our real estate experts.