Kotor Bay

Kotor | Kotor Municipality

The Benchmark of

Villa Style

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Montenegro Properties

Presented At

€2,000,000

Bedrooms

Bathrooms

Living

4,909

SQFT

Terrace

Garage

Parking

Garden

Pool

Water View

Sea View

Waterfront

Mountain View

Privacy

Panoramic / Scenic View

Modern

Kotor Bay, Kotor Bay, Kotor Bay, Kotor, Kotor Municipality, Montenegro. - Photo 1

Kotor Bay, Kotor Bay, Kotor Bay, Kotor, Kotor Municipality, Montenegro. - Photo 2

Kotor Bay, Kotor Bay, Kotor Bay, Kotor, Kotor Municipality, Montenegro. - Photo 3

Kotor Bay, Kotor Bay, Kotor Bay, Kotor, Kotor Municipality, Montenegro. - Photo 4

Kotor Bay, Kotor Bay, Kotor Bay, Kotor, Kotor Municipality, Montenegro. - Photo 5

Kotor Bay, Kotor Bay, Kotor Bay, Kotor, Kotor Municipality, Montenegro. - Photo 6

Kotor Bay, Kotor Bay, Kotor Bay, Kotor, Kotor Municipality, Montenegro. - Photo 7

Kotor Bay, Kotor Bay, Kotor Bay, Kotor, Kotor Municipality, Montenegro. - Photo 8

Kotor Bay, Kotor Bay, Kotor Bay, Kotor, Kotor Municipality, Montenegro. - Photo 9

Kotor Bay, Kotor Bay, Kotor Bay, Kotor, Kotor Municipality, Montenegro. - Photo 10

Kotor Bay, Kotor Bay, Kotor Bay, Kotor, Kotor Municipality, Montenegro. - Photo 11

Kotor Bay

Kotor | Kotor Municipality

Kotor Bay, Kotor Bay, Kotor Bay, Kotor, Kotor Municipality, Montenegro. , Kotor , Kotor Municipality

Kotor Bay House

An exceptional Mediterranean villa sanctuary, with panoramic sea and mountain views across Kotor Bay. Price: €2,000,000. Gross Build Area: 456 m2. Net Internal Area: 349 m2. Total Plot Size: 1,579 m2 (plus share of access road and guest parking). Bedrooms: 4. Bathrooms (+WC): 4 (+2 wc). Pool: 8 x 4.5 m2. An Exceptional Home. Approached via a private, securely-gated road, Villa Vela is a spacious 4 bedroom contemporary home with a luxuriously specified interior, infinity pool and double garage. Premium kitchen (Nobilia/Bosch) and bathroom fittings (V&B, Catalano, HansG) , ceramics and flooring (Florim, Porcelanosa and natural stone) are used throughout. Living areas and bathrooms with underfloor heating, recessed aircon and ventilation in ceilings. Situated in a quiet, picturesque corner of UNESCO protected Kotor Bay, this secluded villa provides the perfect sanctuary, with commanding sea views surrounded by mountains and sprawling Mediterranean gardens. The villa design is sleek, with clean lines and open, spacious interiors. Mediterranean limestone walls and characteristic sloping terracotta roof tiles float above floor-to-ceiling glass windows to maximise natural light and unobstructed, dramatic views across the Bay towards Kotor Old Town and the mountains beyond. Villa Vela offers the dream combination of peaceful seclusion, whilst lying within easy reach of local waterfront village marina and a short drive to the historic walled city of Kotor, the luxury yachting haven of Porto Montenegro and Tivat International Airport. Villa Layout. 1st Floor: Glass entrance reception at the centre. To the right, high-ceiling living space, wood-burning stove and kitchen areas with panoramic views of Bay, guest wc. To the left, large master bedroom and bath ensuite opening to decking and pool. 2nd Floor: Large double and two standard bedrooms, all with ensuite, outside terrace and access to walled patio areas and mountainous wild gardens. Outside: Infinity pool and shower, decking, limestone paving terraces and BBQ, substantial wild garden areas.

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3D Street View Tour

Property Location

Kotor Bay, Kotor Bay, Kotor Bay, Kotor, Kotor Municipality, Montenegro., Kotor Kotor Municipality

Local Weather & Climate

Kotor, Kotor Municipality

Current Conditions Updated recently

55 °F

Overcast clouds

Feels Like 55°F

Humidity 94%

Wind 8 mph

Visibility 6.2 mi

Sunrise 6:06 AM

Sunset 3:47 PM

5-Day Forecast

Sun 25 Jan

Rain

High 54°

Low 49°

Mon 26 Jan

Rain

High 47°

Low 41°

Tue 27 Jan

Clouds

High 51°

Low 41°

Wed 28 Jan

Rain

High 45°

Low 43°

Thu 29 Jan

Rain

High 46°

Low 44°

Annual Climate Based on last 12 months

59° Avg Low

Jan

70° Avg High

Aug

155 Rainy Days

per year

Arid

Semi-Arid

Moderate

Wet

77.9" Annual Rainfall

Wet climate

❄

2 Snow Days

per year

Monthly Temperatures

Jan

54°

44°

Feb

56°

47°

Mar

60°

48°

Apr

66°

54°

May

72°

60°

Jun

84°

71°

Jul

87°

74°

Aug

91°

79°

Sep

82°

69°

Oct

69°

58°

Nov

61°

53°

Dec

58°

47°

Data from OpenWeatherMap & Open-Meteo

Walkability & Transit Scores

How easy is it to get around Kotor?

Walkability and transit scores for this address come from the EPA National Walkability Index.

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.

$2,000,000

Kotor Bay, Kotor Bay, Kotor Bay, Kotor, Kotor Municipality, Montenegro.

Kotor, Kotor 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: $200,000,000 20% down ($40,000,000)

Investment Perspective

$1 → $1.36

Every dollar invested today could become $1.36 in 10 years

$100 → 136 $1,000 → $1,362

$17,186/day

Your home may appreciate while you sleep

$120,632/week $522,739/mo $6,272,873/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

-$110.1M

+$156.1M

$156.1M Potential Equity

vs $110.1M lost to rent over 10 years

$40.0M Down Payment Growth

3.9x

10yr

$156.1M

8.1x

20yr

$323.2M

12.6x

30yr

$505.1M

Wealth Comparison

×1,203

Equivalent to 1,203 average US homes

top 5%

US household wealth ranking

Median: $193K Yours: $505.1M

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 $235.5M +18%

Market $272.4M +36%

Optimistic $314.3M +57%

$156.1M est. equity

20 Years

Conservative $277.4M +39%

Market $370.9M +85%

Optimistic $493.9M +147%

$323.2M est. equity

30 Years

Conservative $326.7M +63%

Market $505.1M +153%

Optimistic $776.2M +288%

$505.1M 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 Kotor Bay, Kotor Bay, Kotor Bay, Kotor, Kotor Municipality, Montenegro have?

This house at Kotor Bay, Kotor Bay, Kotor Bay, Kotor, Kotor Municipality, Montenegro features 4 bedrooms with 4,909 square feet of living space.

What is the size of Kotor Bay, Kotor Bay, Kotor Bay, Kotor, Kotor Municipality, Montenegro?

This property offers 4,909 square feet of living space.

What is the listing price for Kotor Bay, Kotor Bay, Kotor Bay, Kotor, Kotor Municipality, Montenegro?

This property is listed at $200,000,000, which equals $40741 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 is the climate like in Kotor?

Kotor features a pleasant climate. Average temperatures range from 59°F in winter to 70°F in summer. The area receives approximately 77.9 inches of precipitation annually. There are about 155 days with rain throughout the year. Expect around 2 days with snow. This climate information can help you plan for seasonal activities and energy costs.

What are the best months to visit or move to Kotor?

Kotor tends to be warmest in Aug and coldest in Jan. The shoulder seasons of spring and fall often offer the most comfortable weather for moving and outdoor activities.

What type of property is Kotor Bay, Kotor Bay, Kotor Bay, Kotor, Kotor Municipality, Montenegro?

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