Portonovi

Kumbor | Herceg Novi Municipality

A Vision of

Urban Dreams

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Niko Lakovic

Presented At

€1,450,000

Bedrooms

Bathrooms

Living

1,292

SQFT

Air Conditioning

Sauna

Terrace

Garage

Balcony

Water View

Waterfront

Oceanfront

Mountain View

Panoramic / Scenic View

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

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

Portonovi, Herceg Novi, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 3

Portonovi, Herceg Novi, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 4

Portonovi, Herceg Novi, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 5

Portonovi, Herceg Novi, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 6

Portonovi, Herceg Novi, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 7

Portonovi, Herceg Novi, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 8

Portonovi, Herceg Novi, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 9

Portonovi, Herceg Novi, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 10

Portonovi, Herceg Novi, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 11

Portonovi, Herceg Novi, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 12

Portonovi, Herceg Novi, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 13

Portonovi, Herceg Novi, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 14

Portonovi, Herceg Novi, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 15

Portonovi

Kumbor | Herceg Novi Municipality

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

Portonovi Marina 2bdr Apartment

Area: 120 m2 (93 m2 + 27 m2 terrace) Bedrooms: 2 Bathrooms: 2 + 1 Perfectly decorated, this two-bedroom apartment is 120 m2 and advantageously located on the waterfront, straight facing the sea and marina at Porto Novi, Herceg Novi. Two bedrooms, each with private bathrooms, an extra guest toilet and a 27 m2 terrace providing unhindered views of the open sea and the Portonovi marina, the apartment has a large open plan with a living room including an integrated kitchen and dining space. Included in the purchase price is one underground garage space. Convenient payment plan is approved: 15% upon signing the SPA, 85% through 36 months interest-free. Portonovi Montenegro is the height of luxury in the Adriatic Sea. It is a resort living paradise with 218 high-end homes and a state-of-the-art mega-yacht marina at the entrance to the Bay of Boka Kotorska. Portonovi is tucked between mountains and the sea, and it has beautiful views of the untouched Adriatic coast. The project has Europe's first One Only resort, as well as high-end homes, a Henri Chenot health and relaxation spa, and a marina big enough for megayachts (with up to 40% tax breaks on fuel). The resort also boasts the region’s largest sand beach with a luxurious beach club alongside a variety of waterfront shops, cafes, 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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$1,450,000

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

Kumbor, Herceg Novi Municipality

2 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: $145,000,000 20% down ($29,000,000)

Investment Perspective

$1 → $1.36

Every dollar invested today could become $1.36 in 10 years

$100 → 136 $1,000 → $1,362

$12,460/day

Your home may appreciate while you sleep

$87,458/week $378,986/mo $4,547,833/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

-$79.8M

+$113.2M

$113.2M Potential Equity

vs $79.8M lost to rent over 10 years

$29.0M Down Payment Growth

3.9x

10yr

$113.2M

8.1x

20yr

$234.3M

12.6x

30yr

$366.2M

Wealth Comparison

×872

Equivalent to 872 average US homes

top 5%

US household wealth ranking

Median: $193K Yours: $366.2M

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 $170.8M +18%

Market $197.5M +36%

Optimistic $227.9M +57%

$113.2M est. equity

20 Years

Conservative $201.1M +39%

Market $268.9M +85%

Optimistic $358.1M +147%

$234.3M est. equity

30 Years

Conservative $236.8M +63%

Market $366.2M +153%

Optimistic $562.7M +288%

$366.2M 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 2 bedrooms with 1,292 square feet of living space.

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

This property offers 1,292 square feet of living space.

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

This property is listed at $145,000,000, which equals $112229 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.