Umag

Umag | Istria County

Where Privacy

Has Acreage

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Dijana Kršul

Presented At

€751,000

Bedrooms

Bathrooms

Living

1,453

SQFT

Library

Office

Elevator

Basement

Garage

Balcony

Parking

Terrace

Sea View

Water View

Investment Property

Umag

Umag | Istria County

Umag, Istria County, Croatia. , Umag , Istria County

Flat Umag, 134,90m2

Umag – three-bedroom apartment with large terrace and sea view, 200 m from the sea
In a residential complex located in a prime part of Umag, just 200 meters from the sea, a new three-bedroom apartment with a spacious covered terrace and beautiful sea view is available for purchase.

The apartment is situated in a modern standalone building with quality frame construction and functional layout. The aim is to provide a comfortable living space suitable for both permanent living and tourist use.
The location offers close access to beaches (Barakuda, Afrika), recreational areas, the sea, and the town center. Apartments on higher floors offer an open sea view, adding a sense of luxury and harmony with nature. All daily amenities are nearby – shopping centers, bus station, post office, city hall, sports facilities, school, kindergarten, pharmacy, and library.
Designed by a renowned local architect, the building combines functionality, aesthetics, and quality construction. Each unit features generous interior space and large terraces with views.

Type K apartment: 106.90 m² net + 28.00 m² covered terrace. Only 1 units of this type remain!

Layout: entrance hall, master bedroom with en-suite bathroom (shower + toilet), two additional bedrooms, second bathroom (shower + toilet), kitchen with dining area and living room with access to a spacious sea-view terrace.
The building includes 94 apartments, 86 garage parking spaces, 33 outdoor parking spaces, elevator, and basement storage (available for purchase).
Parking and storage not included in the price.
Technical features: security doors with thermal and sound insulation, intercom, triple-glazed windows with external blinds (Karter), reversible heat pump (heating/cooling and hot water – tank, air/water, electric), local ventilation, room thermostats, wall convectors in bedrooms.
Contact us for info about parking and storage purchase.

Umag – the first town at the northern entrance to Istria – charms with 45 km of coastline, clean sea, and rich history. Once a Roman nobles’ summer residence, its elegance remains in the Venetian old town architecture, preserved walls, towers, Renaissance and Baroque buildings and churches.
Thanks to its location and construction quality, this apartment is ideal for living or as an investment with tourist rental potential.

All information is for reference only. Reservations are open, purchase is possible after acceptance of notarized general terms.

DIJANA KRŠUL, [hidden information].
Licensed Real Estate Agent
Phone/WhatsApp: [hidden information]
Email: [hidden information]

ID CODE: 1115

Exterior

Property

Gallery

3D Street View Tour

Property Location

Umag, Istria County, Croatia., Umag Istria County

Local Weather & Climate

Umag, Istria County

Current Conditions Updated recently

52 °F

Clear sky

Feels Like 49°F

Humidity 54%

Wind 10 mph

Visibility 6.2 mi

Sunrise 6:08 AM

Sunset 4:32 PM

5-Day Forecast

Sun 15 Feb

Clouds

High 52°

Low 47°

Mon 16 Feb

Clouds

High 48°

Low 44°

Tue 17 Feb

Clouds

High 47°

Low 45°

Wed 18 Feb

Clouds

High 51°

Low 44°

Thu 19 Feb

Rain

High 54°

Low 47°

Data from OpenWeatherMap

Walkability & Transit Scores

How easy is it to get around Umag?

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.

$75,100,000

Umag, Istria County, Croatia.

Umag, Istria County

3 Beds

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Market Opinion

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Our perspective on current market conditions in Umag. 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: $75,100,000 20% down ($15,020,000)

Investment Perspective

$1 → $1.36

Every dollar invested today could become $1.36 in 10 years

$100 → 136 $1,000 → $1,362

$6,453/day

Your home may appreciate while you sleep

$45,297/week $196,289/mo $2,355,464/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

-$41.3M

+$58.6M

$58.6M Potential Equity

vs $41.3M lost to rent over 10 years

$15.0M Down Payment Growth

3.9x

10yr

$58.6M

8.1x

20yr

$121.4M

12.6x

30yr

$189.7M

Wealth Comparison

×452

Equivalent to 452 average US homes

top 5%

US household wealth ranking

Median: $193K Yours: $189.7M

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 $88.4M +18%

Market $102.3M +36%

Optimistic $118.0M +57%

$58.6M est. equity

20 Years

Conservative $104.2M +39%

Market $139.3M +85%

Optimistic $185.5M +147%

$121.4M est. equity

30 Years

Conservative $122.7M +63%

Market $189.7M +153%

Optimistic $291.5M +288%

$189.7M 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 Umag, Istria County, Croatia have?

This apartment at Umag, Istria County, Croatia features 3 bedrooms with 1,453 square feet of living space.

What is the size of Umag, Istria County, Croatia?

This property offers 1,453 square feet of living space.

What is the listing price for Umag, Istria County, Croatia?

This property is listed at $75,100,000, which equals $51686 per square foot.

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

Based on current market indicators, Umag 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 type of property is Umag, Istria County, Croatia?

This is a apartment located in Umag, Istria County. The property is situated in an established neighborhood with convenient access to local amenities and services.