Kotor

Zagora | Kotor Municipality

Villa Vita

Beautiful Life

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Chestertons Global Team

Presented At

€510,000

Bedrooms

Bathrooms

Living

2,261

SQFT

Kotor, Zagora, Kotor Municipality, Montenegro. - Photo 1

Kotor, Zagora, Kotor Municipality, Montenegro. - Photo 2

Kotor, Zagora, Kotor Municipality, Montenegro. - Photo 3

Kotor, Zagora, Kotor Municipality, Montenegro. - Photo 4

Kotor, Zagora, Kotor Municipality, Montenegro. - Photo 5

Kotor, Zagora, Kotor Municipality, Montenegro. - Photo 6

Kotor, Zagora, Kotor Municipality, Montenegro. - Photo 7

Kotor, Zagora, Kotor Municipality, Montenegro. - Photo 8

Kotor, Zagora, Kotor Municipality, Montenegro. - Photo 9

Kotor, Zagora, Kotor Municipality, Montenegro. - Photo 10

Kotor

Zagora | Kotor Municipality

Kotor, Zagora, Kotor Municipality, Montenegro. , Zagora , Kotor Municipality

Two-story villa with a pool in an exclusive location near Budva

A two-story stone villa for sale in a quiet location far fr om the city noise in the village of Zagora. The distance from the city of Budva is 10 km, and from the airport in Tivat 16 km. The area of the house is 210 m2, and the area of the plot on which it is located is 425 m2. Layout of the villa: On the first floor there is a spacious living room combined with a kitchen and dining room, a bedroom and a bathroom. From the bedroom and the living room, it is possible to go out into the courtyard of the villa, wh ere there is a large swimming pool and barbecue area. On the second floor there are three bedrooms, two bathrooms and two large terraces, one of which is behind the house. The terrace offers a beautiful panoramic view of the sea and the village. The villa is completely stylishly furnished. It is equipped with a kilma device in every room, while there is a fireplace in the living room. There is parking for two cars in the yard. There are 12 monasteries in the surrounding villages, some of which are from the 17th century. Also nearby you can buy local farm products such as local olive oil, cheese, wine...

Property

3D Street View Tour

Property Location

Kotor, Zagora, Kotor Municipality, Montenegro., Zagora Kotor Municipality

Local Weather & Climate

Zagora, Kotor Municipality

Current Conditions Updated recently

44 °F

Drizzle

Feels Like 44°F

Humidity 100%

Wind 0 mph

Visibility 5.6 mi

Sunrise 6:00 AM

Sunset 3:55 PM

5-Day Forecast

Fri 30 Jan

Rain

High 49°

Low 44°

Sat 31 Jan

Clouds

High 49°

Low 46°

Sun 1 Feb

Clouds

High 50°

Low 45°

Mon 2 Feb

Clouds

High 44°

Low 41°

Tue 3 Feb

Clouds

High 50°

Low 42°

Annual Climate Based on last 12 months

57° Avg Low

Jan

68° Avg High

Aug

154 Rainy Days

per year

Arid

Semi-Arid

Moderate

Wet

76.5" Annual Rainfall

Wet climate

❄

2 Snow Days

per year

Monthly Temperatures

Jan

52°

42°

Feb

54°

45°

Mar

57°

46°

Apr

64°

52°

May

70°

58°

Jun

81°

69°

Jul

84°

72°

Aug

89°

76°

Sep

80°

67°

Oct

66°

56°

Nov

59°

50°

Dec

56°

45°

Data from OpenWeatherMap & Open-Meteo

Walkability & Transit Scores

How easy is it to get around Zagora?

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

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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.
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.

$510,000

Kotor, Zagora, Kotor Municipality, Montenegro.

Zagora, Kotor Municipality

4 Beds

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Market Opinion

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Our perspective on current market conditions in Zagora. 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: $51,000,000 20% down ($10,200,000)

Investment Perspective

$1 → $1.36

Every dollar invested today could become $1.36 in 10 years

$100 → 136 $1,000 → $1,362

$4,382/day

Your home may appreciate while you sleep

$30,761/week $133,299/mo $1,599,583/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

-$28.1M

+$39.8M

$39.8M Potential Equity

vs $28.1M lost to rent over 10 years

$10.2M Down Payment Growth

3.9x

10yr

$39.8M

8.1x

20yr

$82.4M

12.6x

30yr

$128.8M

Wealth Comparison

×307

Equivalent to 307 average US homes

top 5%

US household wealth ranking

Median: $193K Yours: $128.8M

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 $60.1M +18%

Market $69.5M +36%

Optimistic $80.1M +57%

$39.8M est. equity

20 Years

Conservative $70.7M +39%

Market $94.6M +85%

Optimistic $125.9M +147%

$82.4M est. equity

30 Years

Conservative $83.3M +63%

Market $128.8M +153%

Optimistic $197.9M +288%

$128.8M 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 Kotor, Zagora, Kotor Municipality, Montenegro have?

This house at Kotor, Zagora, Kotor Municipality, Montenegro features 4 bedrooms with 2,261 square feet of living space.

What is the size of Kotor, Zagora, Kotor Municipality, Montenegro?

This property offers 2,261 square feet of living space.

What is the listing price for Kotor, Zagora, Kotor Municipality, Montenegro?

This property is listed at $51,000,000, which equals $22556 per square foot.

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

Based on current market indicators, Zagora 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 is the climate like in Zagora?

Zagora features a pleasant climate. Average temperatures range from 57°F in winter to 68°F in summer. The area receives approximately 76.5 inches of precipitation annually. There are about 154 days with rain throughout the year. Expect around 2 days with snow. This climate information can help you plan for seasonal activities and energy costs.

What are the best months to visit or move to Zagora?

Zagora tends to be warmest in Aug and coldest in Jan. The shoulder seasons of spring and fall often offer the most comfortable weather for moving and outdoor activities.

What type of property is Kotor, Zagora, Kotor Municipality, Montenegro?

This is a house located in Zagora, Kotor Municipality. The property is situated in an established neighborhood with convenient access to local amenities and services.