Portonovi

Kumbor | Herceg Novi Municipality

A Property of

Great Character

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Niko Lakovic

Presented At

€3,375,000

Bedrooms

Bathrooms

Living

4,112

SQFT

Air Conditioning

Terrace

Garage

Pergola

Outdoor Living Space

Balcony

Gate

Pool

Water View

Sea View

Waterfront

Gated Community

Mountain View

Panoramic / Scenic View

Duplex

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

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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

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Portonovi

Kumbor | Herceg Novi Municipality

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

Portonovi 3bdr Duplex

Area: 382 m2 (242 m2 + 120 m2 terraces + 20 m2 swimming pool) Bedrooms: 3 Bathrooms: 3 Private swimming pool Garage space Three-bedroom duplex of 382 m2 with the sea view in Portonovi Village Residences, Herceg Novi. The apartment consists of a spacious open-plan living room with a dining area and kitchen, three bedrooms, three bathrooms, and a terrace with promenade view. A private infinity swimming pool of 20 m2 is located on the rooftop terrace with sea and mountain views. The apartment is for sale fully furnished. The price includes one underground garage space. Portonovi Montenegro is the Adriatic’s ultra-premium resort lifestyle destination embracing 218 world-class properties and a state-of-art mega-yacht marina, located at the narrowest part of the entrance of the Bay of Boka Kotorska. Portonovi commands an excellent position between mountain and sea, with breath-taking views of the pristine Adriatic coastline. Portonovi includes Europe’s first One&Only resort, luxury residences, a Henri Chenot destination Medical and Wellness Spa, an all-season, world-class marina catering to megayachts (with tax reliefs on the fuel of up to 40%), the region’s largest sand beach with luxury beach club. Other features include 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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$3,375,000

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

Kumbor, Herceg Novi Municipality

3 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: $337,500,000 20% down ($67,500,000)

Investment Perspective

$1 → $1.36

Every dollar invested today could become $1.36 in 10 years

$100 → 136 $1,000 → $1,362

$29,001/day

Your home may appreciate while you sleep

$203,567/week $882,123/mo $10,585,473/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

-$185.7M

+$263.4M

$263.4M Potential Equity

vs $185.7M lost to rent over 10 years

$67.5M Down Payment Growth

3.9x

10yr

$263.4M

8.1x

20yr

$545.4M

12.6x

30yr

$852.4M

Wealth Comparison

×2,029

Equivalent to 2,029 average US homes

top 5%

US household wealth ranking

Median: $193K Yours: $852.4M

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 $397.5M +18%

Market $459.6M +36%

Optimistic $530.4M +57%

$263.4M est. equity

20 Years

Conservative $468.1M +39%

Market $625.9M +85%

Optimistic $833.5M +147%

$545.4M est. equity

30 Years

Conservative $551.3M +63%

Market $852.4M +153%

Optimistic $1,309.8M +288%

$852.4M 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 3 bedrooms with 4,112 square feet of living space.

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

This property offers 4,112 square feet of living space.

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

This property is listed at $337,500,000, which equals $82077 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.