Portonovi

Kumbor | Herceg Novi Municipality

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City Living

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Niko Lakovic

Presented At

€815,000

Bedrooms

Bathrooms

Living

883

SQFT

Portonovi, Herceg Novi, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 1

Portonovi, Herceg Novi, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 2

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Portonovi

Kumbor | Herceg Novi Municipality

Portonovi, Herceg Novi, Kumbor, Herceg Novi Municipality, Montenegro. , Kumbor , Herceg Novi Municipality

Portonovi Marina Residences 1bdr Apartment With the Panoramic View of the Sea

Area: 82m2 (63m2 + 19m2 terrace) Bedrooms: 1 Bathrooms: 2 Garage space Luxury one-bedroom apartment of 82 m2 on the first line to the sea in Portonovi Marina Residences, Herceg Novi. The apartment consists of a large open plan living room with dining area and kitchen, one bedroom, bathroom, guest toilet and a terrace of 19 m2. The terrace offers a panoramic view of the sea and the marina. The price of the apartment includes one underground garage space. Convenient payment plan is approved: 15% upon signing the SPA, 85% through 36 months interest-free. Portonovi Montenegro is an ultra-premium resort lifestyle destination in a traditional Mediterranean style that includes 218 world-class housing units and a top marina for mega yachts, at the narrowest part of the entrance to the Bay of Kotor. Portonovi has an excellent position between the mountains and the sea, with an ambient view of the untouched Adriatic coast. Portonovi includes Europe’s first One & Only resort, luxury residences, Henri Chenot destination health and Wellness Spa, a world-class marina serving mega yachts (with fuel tax rebates of up to 40%), the region’s largest sandy beach with a luxury beach club. Other features include onshore retail outlets, cafes, bars and restaurants.

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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.
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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.

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$815,000

Portonovi, Herceg Novi, Kumbor, Herceg Novi Municipality, Montenegro.

Kumbor, Herceg Novi Municipality

1 Beds

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Market Opinion

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Our perspective on current market conditions in Kumbor. 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 Portonovi, Herceg Novi, Kumbor, Herceg Novi Municipality, Montenegro have?

This apartment at Portonovi, Herceg Novi, Kumbor, Herceg Novi Municipality, Montenegro features 1 bedroom with 883 square feet of living space.

What is the size of Portonovi, Herceg Novi, Kumbor, Herceg Novi Municipality, Montenegro?

This property offers 883 square feet of living space.

What is the listing price for Portonovi, Herceg Novi, Kumbor, Herceg Novi Municipality, Montenegro?

This property is listed at $81,500,000, which equals $92299 per square foot.

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

Based on current market indicators, Kumbor 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 Portonovi, Herceg Novi, Kumbor, Herceg Novi Municipality, Montenegro?

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