Tivat, Montenegro

A 220m² Mediterranean-style villa on an 894m² plot in the hills above Tivat, with panoramic views over the Bay of Kotor. Four bedrooms, each with its own ensuite, plus a guest WC, private office, and laundry room. Sold fully furnished and ready to move into. A mature garden of olive, orange, pomegranate, fig and lemon trees, with a pergola-covered outdoor kitchen and barbecue area. A 90m² pool deck is planned for construction from September 2026. Parking for five cars externally plus a secure internal garage, with additional underground storage. Porto Montenegro is a six to eight minute walk; Tivat Airport ten minutes by car.


The view is the thing that stops you first - the whole sweep of the Bay of Kotor, laid out below the terrace, with Tivat's rooftops in the foreground and the water beyond. Villa Luma sits in Tripovi i, high enough above Tivat to keep that view uninterrupted, close enough to Porto Montenegro that most owners here would think nothing of walking down for dinner.

The house itself is a 220m² Mediterranean-style build on an 894m² plot, arranged over two floors with a layout that works equally well for a family living here full-time or an owner who wants room to host. Four bedrooms, each with its own ensuite bathroom - heated floors, walk-in showers, and premium fixtures throughout - plus a guest WC, a private office that could double as a fifth bedroom, and a proper laundry room with its own storage.

The heart of the house is the open-plan living, dining and kitchen space, where floor-to-ceiling windows on two sides pull the view straight into the room. The kitchen is a serious piece of design in its own right: a marble-topped island, integrated appliances, a dedicated bar area with a mini wine fridge, and enough storage to actually use it properly. The dining area seats eight comfortably beneath the same run of windows, and the lounge - built around a striking stone feature wall - opens directly onto a covered terrace with a ceiling fan and space to sit out through most of the year. Upstairs, the master suite has its own private terrace, heated ensuite, and built-in wardrobes; the second and third bedrooms are similarly finished, each with terrace access and their own bathrooms.

Outside is where Villa Luma earns its keep. The garden is genuinely mature and productive rather than ornamental - olive, orange, pomegranate, fig and lemon trees, a herb garden, and a pergola-covered outdoor kitchen with a built-in barbecue and stone seating that catches the evening shade. A 90m² pool deck is planned for the lower garden level, with construction scheduled from September 2026; a buyer can take the villa as it stands, with a corresponding price adjustment, or have the pool and landscaping completed as part of the purchase.

Parking is generous for this part of Tivat: five external spaces plus a secure internal garage, with additional underground storage beneath the villa for anything that doesn't need to live in the house.



What Sets It Apart

Villas at this level in Tivat municipality typically ask a buyer to choose between proximity to Porto Montenegro and genuine elevation with a view - rarely both. Villa Luma sits close enough to walk to the marina in under ten minutes while holding a position high enough above it to keep the outlook over the bay uninterrupted. Combined with a productive mature garden and a pool project already designed and permitted for the lower plot, it offers more scope for a buyer to shape the property further than most finished villas at this price point allow.


Buyer Lens

A family or couple wanting a genuinely turnkey home within easy walking distance of Porto Montenegro's restaurants and marina, with the option to add a pool on their own terms. Also suited to a buyer drawn to the garden and outdoor living as much as the interior - this is a property that rewards someone who'll actually use the terrace and the pergola kitchen, not just admire them.


Local Amenities

Tripovici sits in the hills directly above Tivat, close enough to Porto Montenegro that the development's restaurants, marina and yacht club function as a genuine extension of daily life rather than an occasional outing. Boka Place, Porto Montenegro's newer neighbourhood, adds a large VOLI supermarket, a multi-screen cinema, bars, restaurants and a run of high-end shops to the town's own retail and dining offering, giving residents a genuinely broad range of everyday and lifestyle amenities on the doorstep. It's a quiet residential pocket - stone houses, olive groves, the bells of the parish church marking the hours - that most visitors to Tivat never see, even though it sits minutes from everything the town offers.


On Foot

*Porto Montenegro (marina, restaurants, yacht club, Boka Place): 6-8 minutes
*Knightsbridge School International: approximately 20 minutes
*By Marta bakery, Tripovici: a short walk from the villa


By Car

*Boka Place, Porto Montenegro (VOLI supermarket, cinema, restaurants, bars, shops): 6-8 minutes
*Waikiki Beach Resort: 7 minutes - the nearest beach bar
*Big Ben: 7 minutes - one of Tivat's best-known institutions, directly opposite Waikiki
*Knightsbridge School International: 4 minutes
*Arcadia Academy: approximately 20 minutes
*Tivat town centre: approximately 10 minutes
*Tivat Airport (TIV): approximately 10 minutes
*Podgorica Airport (TGD): approximately 1 hour 50 minutes
*Dubrovnik Airport (DBV): approximately 1 hour 50 minutes (border crossing dependent), or via the Herceg Novi ferry crossing


Medical

*Apoteka Latkovi and Apoteka Bosiljak (pharmacies), Tivat
*Mansa Medica and Dr Viller private GP clinics, Tivat
*Poliklinika Milmedika, Porto Montenegro
*Tivat Health Centre (state facility)


Schools

*Drago Milovi Elementary School - Tivat's state primary school
*Knightsbridge School International, Porto Montenegro - Montenegro's only IB World School
*Arcadia Academy - approximately 20 minutes by car


Public Transport
*Local bus services connect Tripovici to Tivat town centre; frequency varies seasonally.


Agent's Honest Take

We know this stretch of hillside better than most - we've bought a small stone cottage next door ourselves, with plans to redevelop it in the future, so we see this position from our own doorstep as well as our clients'. It sits directly below the Church of St. Anthony of Padua, Tivat's parish church since 1734, and there's something genuinely lovely about the Angelus bells carrying across the hillside morning and evening. Villa Luma occupies one of the better positions we've seen in this part of Tripovici - close enough to Porto Montenegro to use daily, elevated enough to keep the view, and finished to a standard that means a buyer isn't taking on a project unless they choose to, with the pool addition ready and waiting for whoever wants it.

The information in this description has been provided to us by the seller and is given in good faith to the best of our knowledge. Prospective buyers should independently verify all details, including measurements, planning status and construction timelines, before proceeding.


ntRealty is a Real Estate Agency based in Tivat, Montenegro headed by a British businessman, Peter Flynn, who has lived in the area since 2005 and focused his efforts on various aspects of real estate, including development, architecture, interior design and investing in real estate in the area. The Tivat office is run by a team of professionals who really understand the local market. The team is there to help guide you through the buying (or selling) process and we pride ourselves in giving a high level of service in a polite, friendly and efficient way.

ntRealty specializes in properties for sale all around the Bay of Kotor, Tivat Bay and Lustica and our clients range from Porto Montenegro and Lustica Bay to hundreds of private individuals who put their trust in our operation.