Herceg Novi 85340

Kumbor | Herceg Novi Municipality

The Soul of

Mediterranean Design

View Photos Watch Film 360° VTour Open House

Niko Lakovic

Presented At

€6,995,000

Bedrooms

Bathrooms

Living

6,577

SQFT

Air Conditioning

Elevator

Terrace

Garage

Outdoor Living Space

Parking

Tennis Court

Pool

Water View

Sea View

Seafront

Privacy

Panoramic / Scenic View

Modern

Investment Property

New Builds

Herceg Novi 85340, Montenegro, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 1

Herceg Novi 85340, Montenegro, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 2

Herceg Novi 85340, Montenegro, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 3

Herceg Novi 85340, Montenegro, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 4

Herceg Novi 85340, Montenegro, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 5

Herceg Novi 85340, Montenegro, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 6

Herceg Novi 85340, Montenegro, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 7

Herceg Novi 85340, Montenegro, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 8

Herceg Novi 85340, Montenegro, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 9

Herceg Novi 85340, Montenegro, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 10

Herceg Novi 85340, Montenegro, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 11

Herceg Novi 85340, Montenegro, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 12

Herceg Novi 85340, Montenegro, Kumbor, Herceg Novi Municipality, Montenegro. - Photo 13

Herceg Novi 85340

Kumbor | Herceg Novi Municipality

Herceg Novi 85340, Montenegro, Kumbor, Herceg Novi Municipality, Montenegro. , Kumbor , Herceg Novi Municipality

Portonovi 3bdr Sky Villa

Area: 611 m2 (341 m2 + 238 m2 terrace + 33 m2 pool) Bedrooms: 3 Bathrooms: 3 + 1 Garage space Furnished three-bedroom duplex penthouse with private pool in Marina Residences, Portonovi. The first level consists of a spacious living room, dining room, kitchen, as well as the master bedroom and access to a spacious terrace with a private pool and a view o Area: 611 m2 (341 m2 + 238 m2 terrace + 33 m2 pool) Bedrooms: 3 Bathrooms: 3 + 1 Garage space Furnished three-bedroom duplex penthouse with private pool in Marina Residences, Portonovi. The first level consists of a spacious living room, dining room, kitchen, as well as the master bedroom and access to a spacious terrace with a private pool and a view of the marina and the bay. The second level consists of two en suite bedrooms, and a terrace with panoramic sea view. One garage space is included in the price, as well as storage space and furniture. Convenient payment plan is approved: 15% upon signing the SPA, 85% through 36 months interest-free. Portonovi is an elegant seaside resort and is considered one of the most sought-after exclusive destinations in the Mediterranean. With its 218 luxury residences, including apartments, penthouses, duplex apartments, and villas, Portonovi also includes public areas such as parks and private beaches, as well as a commercial component consisting of restaurants, pubs, coffee bars, luxury boutiques, car dealerships, jewelry stores, art galleries, etc. … View more View less Penthouse Report

Gallery

3D Street View Tour

Property Location

Herceg Novi 85340, Montenegro, Kumbor, Herceg Novi Municipality, Montenegro., Kumbor Herceg Novi Municipality

Local Weather & Climate

Kumbor, Herceg Novi Municipality

Current Conditions Updated recently

55 °F

Overcast clouds

Feels Like 54°F

Humidity 76%

Wind 2 mph

Visibility 6.2 mi

Sunrise 6:02 AM

Sunset 3:54 PM

5-Day Forecast

Thu 29 Jan

Rain

High 55°

Low 52°

Fri 30 Jan

Rain

High 52°

Low 50°

Sat 31 Jan

Clouds

High 53°

Low 49°

Sun 1 Feb

Clouds

High 54°

Low 49°

Mon 2 Feb

Rain

High 48°

Low 44°

Data from OpenWeatherMap

Walkability & Transit Scores

How easy is it to get around Kumbor?

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

Ready to explore financing?

Connect with trusted mortgage partners

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.

$6,995,000

Herceg Novi 85340, Montenegro, Kumbor, Herceg Novi Municipality, Montenegro.

Kumbor, Herceg Novi Municipality

3 Beds

View All Photos

Market Opinion

View prices in:

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: $699,500,000 20% down ($139,900,000)

Investment Perspective

$1 → $1.36

Every dollar invested today could become $1.36 in 10 years

$100 → 136 $1,000 → $1,362

$60,108/day

Your home may appreciate while you sleep

$421,911/week $1,828,281/mo $21,939,374/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

-$384.9M

+$546.0M

$546.0M Potential Equity

vs $384.9M lost to rent over 10 years

$139.9M Down Payment Growth

3.9x

10yr

$546.0M

8.1x

20yr

$1,130.4M

12.6x

30yr

$1,766.7M

Wealth Comparison

×4,206

Equivalent to 4,206 average US homes

top 5%

US household wealth ranking

Median: $193K Yours: $1,766.7M

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 $823.8M +18%

Market $952.6M +36%

Optimistic $1,099.3M +57%

$546.0M est. equity

20 Years

Conservative $970.2M +39%

Market $1,297.3M +85%

Optimistic $1,727.5M +147%

$1,130.4M est. equity

30 Years

Conservative $1,142.5M +63%

Market $1,766.7M +153%

Optimistic $2,714.7M +288%

$1,766.7M 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 Herceg Novi 85340, Montenegro, Kumbor, Herceg Novi Municipality, Montenegro have?

This apartment at Herceg Novi 85340, Montenegro, Kumbor, Herceg Novi Municipality, Montenegro features 3 bedrooms with 6,577 square feet of living space.

What is the size of Herceg Novi 85340, Montenegro, Kumbor, Herceg Novi Municipality, Montenegro?

This property offers 6,577 square feet of living space.

What is the listing price for Herceg Novi 85340, Montenegro, Kumbor, Herceg Novi Municipality, Montenegro?

This property is listed at $699,500,000, which equals $106355 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 Herceg Novi 85340, Montenegro, 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.