Affordable House for sale in Utjeha – Bar

Check More Details About This Amazing Property…

🏡 What Makes This Utjeha Property Exceptional

• 💰 Unbeatable Value: €96,000 for TWO complete apartments – 30-40% below market rate for comparable Bar coastal properties.
• 🔑 Dual Income Potential: Live in one apartment, rent the other OR rent both for 10-12% annual rental yields.
• 🌊 Beach Proximity: Just 600m (7-minute walk) to pristine Hladna Uvala turquoise waters.
• 🌳 Private Garden: 45m² outdoor space with mature fruit trees (figs, grapes, pomegranates).
• ✅ Turnkey Ready: Fully furnished – all furniture, appliances, equipment included. Move in tomorrow!
• 🚗 Parking Included: Two dedicated parking spaces – essential amenity in coastal Montenegro.

📊 Property At-a-Glance

€96,000 Total Price · 2 Independent Apartments · 600m to Beach · 168m² Plot · 10-12% Rental Yield · 100% Furnished

Complete Property Specifications

• 📍 Location: Utjeha, Bar Municipality, Montenegro
• 🏠 Property Type: Detached house with 2 independent apartments
• 📐 Total Interior: 122 m² (2 x 61m² apartments)
• 🌳 Garden Area: 168 m² with mature fruit trees
• 🛏️ Bedrooms: 2 total (1 per apartment)
• 🚿 Bathrooms: 2 complete bathrooms (1 per apartment)
• 🍳 Kitchens: 2 fully equipped kitchens with all appliances
• 🌊 Beach Distance: 600 meters (7-minute walk to Hladna Uvala)
• 🏙️ Bar Center: 15 minutes by car (12km)
• 🏔️ Views: Rumija mountain range from terrace
• 🚗 Parking: 2 dedicated parking spaces included
• 💧 Water Supply: Large storage tank – year-round reliability
• 🔌 Utilities: Electricity, septic system, internet available
• ✨ Condition: Excellent – Fully Furnished & Turnkey Ready

Why This Property Delivers Exceptional Value

At €96,000, this affordable house for sale in Utjeha Bar represents extraordinary value in Montenegro’s coastal property market. While comparable two-bedroom apartments in nearby Sutomore or central Bar typically price €120,000-€160,000, this property offers TWO complete one-bedroom apartments with independent entrances, private garden, and dedicated parking for significantly less.

💎 Value Comparison: Why €96K Is Exceptional

• Sutomore Apartments (60-70m²): €120,000 – €180,000
• Bar City Apartments (70-80m²): €110,000 – €150,000
• Dobra Voda Houses (similar size): €130,000 – €170,000
• 🏆 THIS PROPERTY (122m² + garden): €96,000

💰 YOU SAVE: €25,000 – €75,000 vs comparable properties!

Dual Apartment Configuration – Your Flexibility Advantage

The property’s greatest asset is its two independent one-bedroom apartments, each with a separate entrance, complete kitchen, bathroom, and living facilities.

🏠 Ground Floor Apartment

• 1 bedroom with wardrobe
• Living room with sofa
• Full kitchen with appliances
• Complete bathroom
• Direct garden access
• Covered terrace with grape arbor
• Mountain views
• Independent entrance
• Perfect for families or guests wanting outdoor space!

🏠 Upper Floor Apartment

• 1 bedroom with wardrobe
• Living room with seating
• Full kitchen with appliances
• Complete bathroom
• Elevated position
• Better ventilation
• Mountain views from windows
• Separate street entrance
• Ideal for couples or quieter guests seeking privacy!

💰 Four Powerful Usage Strategies

1. Strategy A: Live + Rent (Best for Part-Time Residents)
   • Occupy one apartment for personal use while renting the second unit.
   • Earn €5,000-€8,000 annually to fund your holiday home.
2. Strategy B: Full Rental (Maximum Cash Flow)
   • Rent both apartments to achieve 10-12% gross rental yields.
   • Combined income: €10,000-€16,000 annually.
3. Strategy C: Multi-Generational Family Living
   • Independent spaces for extended family with shared garden areas.
4. Strategy D: Residence Permit Investment
   • Qualify for a Montenegro residence permit by occupying as a primary residence.

Investment Returns & Rental Income Potential

Utjeha specifically benefits from the pristine Hladna Uvala beach reputation and a peaceful atmosphere appealing to families and digital nomads.

📈 Annual Rental Income Projections (PER apartment)

• Peak Season (July-Aug): €2,100 – €3,570
• Shoulder (Jun, Sep): €1,050 – €1,950
• Off-Season (May, Oct): €270 – €720
• Total Annual PER apartment: €3,420 – €6,240
• BOTH Apartments Combined: €6,840 – €12,480

Long-Term Rental Alternative

• Monthly rent per apartment: €250-€400
• Both apartments combined: €6,000-€9,600 annually

🎯 Investment Metrics

• Gross Rental Yield: 7-13%
• Payback Period: 7-14 Years
• Annual Appreciation: 8-12%
• Total Annual Return: 15-25%

Mediterranean Garden Living – 168m² Private Outdoor Space

• 🍇 Grape Arbor: Natural shade covering + fresh table grapes.
• 🌳 Fig Trees: Multiple mature trees with abundant summer harvest.
• 🍎 Pomegranates: Autumn harvest – Mediterranean superfruit.
• 🏔️ Mountain Views: Terrace faces the dramatic Rumija range.
• 🍽️ Outdoor Dining: Shaded terrace seats 6-8 people comfortably.

Strategic Utjeha Location Guide

• 🌊 Hladna Uvala Beach: 600m (7-minute walk)
• 🏙️ Bar City Center: 15 min (12km)
• 🏖️ Sutomore Resort: 25 min (6km)
• ✈️ Podgorica Airport: 60 min (52km)
• 🏰 Ulcinj Old Town: 25 min (20km)
• 🚌 Bus Stop: 250m (Ulcinj highway service)

⚠️ Important Market Context: Properties under €100,000 within 1km of the beach are becoming extinct. This €96,000 Utjeha opportunity represents what may be the last sub-€100K coastal dual-apartment house in the Bar municipality this year.

Frequently Asked Questions

• ❓ Can I rent one apartment while living in the other? Absolutely. Independent entrances and facilities ensure total privacy for simultaneous owner-occupation and rental.
• 💰 What are the total ongoing costs? Annual property tax is ~€240. Total annual costs excluding utilities range from €400-€600.
• 🌍 Can foreigners buy this property? Yes – zero restrictions. Foreigners from all countries have identical purchase rights and can qualify for a residence permit.
• 🏖️ How is Hladna Uvala beach? It is a premium, spring-fed bay with superior water quality and a natural setting of pines and mountains.
• 🔧 What’s included in “fully furnished”? Everything needed to move in or start renting: beds, sofas, kitchens, appliances, cookware, and fixtures.
• 📊 Is the price negotiable? Seller is motivated. Serious buyers with proof of funds may have a negotiation opportunity, but inventory at this price moves quickly.

🏡 Ready to Secure This Exceptional Value?

• 📞 Contact Us Now
• 💬 WhatsApp +382 68 431 853

Response time: Usually within 2 hours

Explore More Affordable Montenegro Properties

• 🏘️ Bar Properties: Browse Bar Listings →
• 🏖️ Ulcinj Region: View Ulcinj Properties →
• 🌊 Dobra Voda: Explore Dobra Voda Listings →

MRE-Property by Absolute Estate EU · Licensed since 2014 · 0% buyer commission Based in Budva, Montenegro · info@montenegro-real-estate.com · +382 68 431 853