Budva

Sveti Stefan | Budva Municipality

A Residence

Above It All

View Photos Watch Film 360° VTour Open House

Chestertons Global Team

Presented At

€623,000

Bedrooms

Bathrooms

Living

1,497

SQFT

Air Conditioning

Bar

Terrace

Pergola

Parking

Balcony

Water View

Sea View

Mountain View

Duplex

Budva, Sveti Stefan, Budva Municipality, Montenegro. - Photo 1

Budva, Sveti Stefan, Budva Municipality, Montenegro. - Photo 2

Budva, Sveti Stefan, Budva Municipality, Montenegro. - Photo 3

Budva, Sveti Stefan, Budva Municipality, Montenegro. - Photo 4

Budva, Sveti Stefan, Budva Municipality, Montenegro. - Photo 5

Budva, Sveti Stefan, Budva Municipality, Montenegro. - Photo 6

Budva, Sveti Stefan, Budva Municipality, Montenegro. - Photo 7

Budva, Sveti Stefan, Budva Municipality, Montenegro. - Photo 8

Budva, Sveti Stefan, Budva Municipality, Montenegro. - Photo 9

Budva, Sveti Stefan, Budva Municipality, Montenegro. - Photo 10

Budva, Sveti Stefan, Budva Municipality, Montenegro. - Photo 11

Budva, Sveti Stefan, Budva Municipality, Montenegro. - Photo 12

Budva, Sveti Stefan, Budva Municipality, Montenegro. - Photo 13

Budva, Sveti Stefan, Budva Municipality, Montenegro. - Photo 14

Budva

Sveti Stefan | Budva Municipality

Budva, Sveti Stefan, Budva Municipality, Montenegro. , Sveti Stefan , Budva Municipality

Spacious duplex apartment with sea view in Sveti Stefan

In the attractive location of Sveti Stefan, only 50 meters from the sea, a spacious and fully equipped duplex apartment of 139 m² for sale. The apartment is on two levels. On the first level there is an entrance area, a bathroom, a bedroom and an open space that includes a kitchen, a dining room and a spacious living room with access to a terrace with sea view. On the second level of the apartment there is an entrance hall, two bedrooms, a second bathroom, a wardrobe and another terrace with a beautiful view of the sea and St. Stefan. The apartment is fully furnished and equipped with all necessary appliances, ready to move in. In addition to the apartment there is the possibility to buy a 45 m² plot of land for private parking direct from the owner. This duplex apartment offers comfortable and functional living in a quiet environment, with direct access to all the facilities that Sveti Stefan offers, and is located only 10 minutes drive from Budva.

Gallery

3D Street View Tour

Property Location

Budva, Sveti Stefan, Budva Municipality, Montenegro., Sveti Stefan Budva Municipality

Local Weather & Climate

Sveti Stefan, Budva Municipality

Current Conditions Updated recently

44 °F

Overcast clouds

Feels Like 40°F

Humidity 86%

Wind 7 mph

Visibility 6.2 mi

Sunrise 5:59 AM

Sunset 3:56 PM

5-Day Forecast

Sat 31 Jan

Clouds

High 52°

Low 44°

Sun 1 Feb

Clouds

High 49°

Low 43°

Mon 2 Feb

Clouds

High 45°

Low 40°

Tue 3 Feb

Clouds

High 49°

Low 41°

Wed 4 Feb

Clouds

High 58°

Low 48°

Annual Climate Based on last 12 months

58° Avg Low

Jan

70° Avg High

Aug

155 Rainy Days

per year

Arid

Semi-Arid

Moderate

Wet

81.1" Annual Rainfall

Wet climate

❄

5 Snow Days

per year

Monthly Temperatures

Jan

53°

42°

Feb

56°

46°

Mar

61°

47°

Apr

67°

54°

May

72°

59°

Jun

85°

70°

Jul

88°

73°

Aug

91°

77°

Sep

84°

68°

Oct

69°

57°

Nov

61°

51°

Dec

58°

46°

Data from OpenWeatherMap & Open-Meteo

Walkability & Transit Scores

How easy is it to get around Sveti Stefan?

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.

$623,000

Budva, Sveti Stefan, Budva Municipality, Montenegro.

Sveti Stefan, Budva Municipality

3 Beds

View All Photos

Market Opinion

View prices in:

Our perspective on current market conditions in Sveti Stefan. 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: $62,300,000 20% down ($12,460,000)

Investment Perspective

$1 → $1.36

Every dollar invested today could become $1.36 in 10 years

$100 → 136 $1,000 → $1,362

$5,353/day

Your home may appreciate while you sleep

$37,577/week $162,833/mo $1,954,000/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

-$34.3M

+$48.6M

$48.6M Potential Equity

vs $34.3M lost to rent over 10 years

$12.5M Down Payment Growth

3.9x

10yr

$48.6M

8.1x

20yr

$100.7M

12.6x

30yr

$157.3M

Wealth Comparison

×375

Equivalent to 375 average US homes

top 5%

US household wealth ranking

Median: $193K Yours: $157.3M

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 $73.4M +18%

Market $84.8M +36%

Optimistic $97.9M +57%

$48.6M est. equity

20 Years

Conservative $86.4M +39%

Market $115.5M +85%

Optimistic $153.9M +147%

$100.7M est. equity

30 Years

Conservative $101.8M +63%

Market $157.3M +153%

Optimistic $241.8M +288%

$157.3M 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 Budva, Sveti Stefan, Budva Municipality, Montenegro have?

This apartment at Budva, Sveti Stefan, Budva Municipality, Montenegro features 3 bedrooms with 1,497 square feet of living space.

What is the size of Budva, Sveti Stefan, Budva Municipality, Montenegro?

This property offers 1,497 square feet of living space.

What is the listing price for Budva, Sveti Stefan, Budva Municipality, Montenegro?

This property is listed at $62,300,000, which equals $41617 per square foot.

Is now a good time to buy a home in Sveti Stefan?

Based on current market indicators, Sveti Stefan 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 Sveti Stefan?

Sveti Stefan features a pleasant climate. Average temperatures range from 58°F in winter to 70°F in summer. The area receives approximately 81.1 inches of precipitation annually. There are about 155 days with rain throughout the year. Expect around 5 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 Sveti Stefan?

Sveti Stefan 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 Budva, Sveti Stefan, Budva Municipality, Montenegro?

This is a apartment located in Sveti Stefan, Budva Municipality. The property is situated in an established neighborhood with convenient access to local amenities and services.