Furnished 2-Bedroom Waterfront Residence — Pool, Private Beach & Parking, 5 km from Bar

Wake Up at the Water’s Edge

There is a specific kind of buyer for a property like this — one who has done the research, compared the coastlines, and concluded that Montenegro’s southern Riviera offers the most compelling ratio of lifestyle quality to entry price anywhere on the Adriatic. This 80 m² two-bedroom apartment in the Your Home Montenegro complex is, simply put, the turnkey version of that decision. The building sits directly on the waterfront in the quiet cove village of Utjeha, five kilometres south of Bar. The sea is not a view from the window — it is the front garden.

The apartment is sold fully furnished and equipped: move in, rent out, or hand the keys to a management agency within days of completion. Nothing needs to be sourced, ordered, or assembled.

Property Specification

Amenities That Change the Rental Equation

Three features of this property directly impact its income-generating potential:

1. Private Beach Access: This eliminates the single biggest friction point for short-term rental guests on the Montenegrin coast — the search for uncrowded, accessible swimming in peak season. A dedicated residents’ beach is a premium line item on any listing platform.

2. Communal Swimming Pool: This extends the rental season into May and September, when sea temperatures are borderline but a heated pool is not. Properties with pools in the Bar municipality consistently outperform equivalents without by 20–30% on annual occupancy rates.

3. Full Furnishing Included: This means zero fit-out capital expenditure post-purchase. The apartment is ready for a guest the week it transfers. For investors calculating net yield, this removes a €15,000–€25,000 typical furnishing budget from the acquisition cost model entirely.

The Bar Riviera — Why Now

Bar municipality is tracking the demand curve that Budva completed a decade ago, but at entry prices that remain significantly lower per square metre. The near-completion of the Bar–Boljare motorway — connecting Bar to Belgrade in under three hours — is bringing a new wave of Serbian and regional buyers to the southern coast. Utjeha and the surrounding coves sit directly in that demand corridor: quiet enough to command a tranquillity premium, close enough to Bar’s marina, restaurants, and transport links to remain practical for year-round use.

For a full investment breakdown by area, see our Bar Real Estate Guide →. For legal steps from offer to title transfer, our FaQ→ covers every stage.

Ownership & Legal Notes

Foreign nationals purchase with identical rights to Montenegrin citizens — no restricted zones, no additional taxes. Property transfer tax is 3% of assessed value, payable once at notarisation. Title is registered in the State Cadastre and verifiable before any funds are committed.

2026 Residency Update: Under the new Law on Foreigners (effective Jan 17, 2026), third-country nationals qualify for residency via property if the taxable value is at least €150,000. See ourResidency by Property Guide 2026for criteria.

FAQ: Buying a Waterfront Apartment near Bar Montenegro

• Is Utjeha safe for investment? Yes, it is one of the most stable micro-locations on the Bar Riviera with high demand for premium seafront units.
• What are the maintenance costs in “Your Home”? Costs are standardized for the complex, covering pool maintenance, private beach cleaning, and security.

Official references: Montenegro Notary Chamber · Montenegro Tax Administration