Kumbor property for sale on the Bay of Kotor

The setting is a sheltered bay with mountains behind and water views from many apartments. A fortress, a small harbour and pebble coves give the area character, while larger supermarkets and clinics are in Herceg Novi. Winters are mild but quieter, as some owners are seasonal.

The nearest sizeable airports are Tivat, close across the bay, and Dubrovnik in Croatia. Border queues at Debeli Brijeg can add time in summer, which is worth testing before you commit.

Check that your seller holds a clean title in the cadastre, that the building has its permits and that any shared amenities are written into the contract. Transfer tax is 3% to 6% (progressive by price) for the buyer, and legal and notary costs are on top, so verify the figures. Foreigners can buy residential property, although land has restrictions.

See the Montenegro consultation page and the Montenegro financing page. You can also search homes under €100,000 in Montenegro if you want a smaller entry point.

Within the country, compare Bečići, Bar and the capital Podgorica, though all are further away than Kumbor's nearest bay neighbours. The Montenegro hub has the full list.