Kostanjica

Kotor | Herceg Novi Municipality

The Standard of

Villa Excellence

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Niko Lakovic

Presented At

€815,000

Bedrooms

Bathrooms

Living

2,530

SQFT

Fireplace

Steam Room

Stone Countertops

Air Conditioning

Sauna

Gas Stovetop

Terrace

Garage

Garden

Balcony

Tennis Court

Gate

Pool

Water View

Mountain View

Panoramic / Scenic View

Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro. - Photo 1

Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro. - Photo 2

Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro. - Photo 3

Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro. - Photo 4

Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro. - Photo 5

Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro. - Photo 6

Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro. - Photo 7

Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro. - Photo 8

Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro. - Photo 9

Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro. - Photo 10

Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro. - Photo 11

Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro. - Photo 12

Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro. - Photo 13

Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro. - Photo 14

Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro. - Photo 15

Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro. - Photo 16

Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro. - Photo 17

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Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro. - Photo 20

Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro. - Photo 21

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Kostanjica

Kotor | Herceg Novi Municipality

Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro. , Kotor , Herceg Novi Municipality

Villa within Kostanjica Closed-gate Resort

Residential area: 235 m2 Land area: 400 m2 Bedrooms: 4 Bathrooms: 3 Garage Mediterranean style villa with four bedrooms (17m2, 15m2, 10m2 and 9m2) and three bathrooms (8m2, 8m2, 5m2) in a complex on the first line to the sea, with tennis court, beach, mooring for yachts, built in Mediterranean style. The villa is for sale furnished and entirely equipped – the price includes equipped kitchen, solid wood cabinets in all rooms, fully equipped bathrooms, plasma TV, washing machine, high quality woodwork on all windows and balconies made of African mahogany, high quality blinds in painted in sea blue, Italian ceramics, high quality lighting. Interior works were carried out with high quality, using equipment of famous European manufacturers. The villa has a telephone line, ADSL connection and Cable TV. The complex has a tennis court, a berth for yachts and its own beach. It is located near the ferry port in Kamenari, which enables fast communication with Tivat (airport), Budva and Kotor. Spectacular views of the bay and the sea is available from the courtyard level and from all the windows and terraces of the villa. Distance from sea: 15m Distance to Kamenari ferry port: 3km Distance to Tivat/airport: 8km Distance to Kotor: 18km

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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.

$815,000

Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro.

Kotor, Herceg Novi Municipality

4 Beds

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Market Opinion

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Our perspective on current market conditions in Kotor. 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: $81,500,000 20% down ($16,300,000)

Investment Perspective

$1 → $1.36

Every dollar invested today could become $1.36 in 10 years

$100 → 136 $1,000 → $1,362

$7,003/day

Your home may appreciate while you sleep

$49,158/week $213,016/mo $2,556,196/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

-$44.8M

+$63.6M

$63.6M Potential Equity

vs $44.8M lost to rent over 10 years

$16.3M Down Payment Growth

3.9x

10yr

$63.6M

8.1x

20yr

$131.7M

12.6x

30yr

$205.8M

Wealth Comparison

×490

Equivalent to 490 average US homes

top 5%

US household wealth ranking

Median: $193K Yours: $205.8M

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 $96.0M +18%

Market $111.0M +36%

Optimistic $128.1M +57%

$63.6M est. equity

20 Years

Conservative $113.0M +39%

Market $151.1M +85%

Optimistic $201.3M +147%

$131.7M est. equity

30 Years

Conservative $133.1M +63%

Market $205.8M +153%

Optimistic $316.3M +288%

$205.8M 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 Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro have?

This house at Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro features 4 bedrooms with 2,530 square feet of living space.

What is the size of Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro?

This property offers 2,530 square feet of living space.

What is the listing price for Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro?

This property is listed at $81,500,000, which equals $32213 per square foot.

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

Based on current market indicators, Kotor 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 type of property is Kostanjica, Kotor, Kostanjica, Kotor, Herceg Novi Municipality, Montenegro?

This is a house located in Kotor, Herceg Novi Municipality. The property is situated in an established neighborhood with convenient access to local amenities and services.