Home/Kotor/Historic Stone House in Kotor Old Town
For SaleHouse🌊 100m to sea

Historic Stone House in Kotor Old Town

Kotor, MontenegroVerified location
€320,000
3368/m²· 7 views📊 PPTX
Historic Stone House in Kotor Old Town - photo 1
bed
2
bath
2
Size
95m²
Built
1580
Furnishing
Partially furnished

Description

Fully restored 16th-century stone townhouse within UNESCO-protected Kotor Old Town. 2 bedrooms, 2 bathrooms. Original stone walls and vaulted ceilings. Roof terrace with Old Town views.

📍 Kotor Area Guide

UNESCO World Heritage site nestled between dramatic mountains and the bay. Peaceful, historic, and increasingly popular with digital nomads.

🏥 Healthcare

General hospital in Kotor (1 km)

🎓 Education

Public school Narodni Heroj (800 m)
Music school in Kotor (500 m)

🏖️ Beaches

Dobrota (2 km)
Orahovac (8 km)
Luštica Bay (15 km)

✈️ Airports

Tivat Airport (8 km, 10 min)
Podgorica Airport (90 km, 1.5 h)

🚌 Transport

Bus connections (regular)
Cruise port with daily ships in season

Property Verification

⚠️Tier 1 — Cadastre records found

We located this property in Montenegro's public cadastre and confirmed the parcel exists. Full ownership and encumbrance details could not be retrieved at the time of verification, often due to a temporary delay in the cadastre service.

Confirmed: Cadastral parcel exists
Not confirmed yet: Owner identity, encumbrances, recent transfers
Location
Kotor, Kotor
Parcel

Verification Status

  • Coordinates provided
  • Parcel number not provided
  • Ownership not independently checked
Get Official Verification

Our team checks ownership records, encumbrances, and building permits against the official cadastre.

Request Verification — €29
🏛️Cadastre DetailsLN 74
📍STARI GRAD·Kotor
🏠Zavod za zaštitu kulture· 2365 unitsLegalized
🏗️ Three-story building
📅 Built 1919
🟢Encumbrance Summary

This property has the following records on its cadastre file:

  • 1 other administrative note(s)

What this means:

No major encumbrances visible. Standard legal review still advised before purchase.

Information sourced from public Montenegro cadastre. Not legal opinion. Independent verification recommended before purchase.

⚖️ Cadastre verification is a first-pass screening based on available public or submitted information. It does not replace legal due diligence, notarial review, or official cadastre confirmation before signing.

€320,000
🏠 Residency Eligible
3368/m² · 95
$371,648 USD · £276,384 GBP · ₺17,079,968 TRY · ₽27,232,118 RUB
10% down: €32,000·20% down: €64,000
👁️ 7 views📅 37 days ago
Stefan Vukić
Listed 37 days ago

🎓 Expert Opinion

Get a professional valuation from a local property expert.

Total Cost Calculator

Estimate every fee that lands on top of the asking price.

20% · €64,000
Transfer tax€13,000
Notary (~1%)€3,200
Registration (€150)€150
Legal (~1.5%)€4,800
Total cash needed€85,150
Financed amount€256,000

Buyer fees in Montenegro total ~5–6% of the purchase price.

Financial Tools

Down payment (%)20%
Interest rate (%)5.5%
Term (years)25yr
EST. MONTHLY PAYMENT€1,572/month
TOTAL INTEREST€215,619
TOTAL PAID€471,619
Compare scenarios
ConservativeBest value
30% down · 20y · 5%
€1,478/month
+€130,792
Standard
20% down · 25y · 5.5%
€1,572/month
+€215,619
Aggressive
10% down · 30y · 6%
€1,727/month
+€333,614

Kotor Market Insights

Average price€2,800/m²
This listing€3,368/m²
20% above area average
YoY price change
+10%
Supply
Tight
Rental market
Avg rent
€880/month
Gross yield
3.8%

Source: MONSTAT Q4 2024

Buying as a Foreigner?

Foreigners can buy residential property in Montenegro on the same terms as citizens.
No residency required to purchase.
What you need
  • · TIN (tax identification number)
  • · Valid passport
  • · Montenegrin bank account (recommended)
Closing costs on this listing
Transfer tax€13,000
Notary (~1%, min €500)€3,200
Legal fees€1,500 – €3,000
Registration€150
Total on top of price~€17,850€19,350
Residency pathway
This property qualifies for a residency permit.
  • 1-year temporary permit, renewable annually
  • No minimum stay requirement
  • Family members can be included
Read the full foreigner buying guide

Buying Property in Montenegro — FAQ

What documents do I need to buy property in Montenegro?

Foreign buyers need a valid passport, proof of funds, and a Montenegrin tax number (PIB). The process is straightforward and typically completed within 4-8 weeks with the help of a local lawyer.

Are there any restrictions for foreign buyers?

Foreign buyers — EU and non-EU alike — can purchase residential property (apartments, houses, villas) on the same legal basis as Montenegrin citizens. Some restrictions apply: agricultural land, forests, and properties in specific border or protected zones typically require a Montenegrin-registered company. Our team guides you through the entire process.

What are the total buying costs?

Expect 5-8% in additional costs on top of the purchase price: progressive transfer tax (3-6%), notary fees (€50-200), legal fees (1-2%), and registration fees. Use our cost calculator for an exact estimate.

What's nearby

Within 500m walking distance

Restaurants
  • Restaurant City11 m
  • Pescaria Dekaderon22 m
  • Giardino25 m
Cafés
  • Pisatera40 m
  • Ombra60 m
  • cesare61 m
Bus stops
  • Riva120 m
  • Riva120 m
  • Bus stop250 m
Pharmacies
  • Vegapharm140 m
  • Apoteka Tea Medica 28430 m
Supermarkets
  • Mini Market150 m
  • Aroma350 m

Data from OpenStreetMap (ODbL)