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Umag – apartment 89m², 2 bedrooms, terrace 46m² near the sea
Istria, Umag, Umag
551,616 €
Bedrooms 2
Bathrooms 2
Area 89m²
Key information
Property type Apartment
Category For Sale
Property subtype Apartment in building
Completion Under construction
Property ID RE162556
Price per m² 6198 €
Description
On offer is a functional three-room apartment located on the fourth floor of a modern new building in Umag, in an attractive location near the sea and the city center. The apartment is ideal for a family, but also as an investment for tourist rental, and is part of a project that includes multiple apartments of various sizes and layouts.
The apartment has a total area of 89 m² and consists of an entrance area, a hallway, a spacious living room with a kitchen and dining room in an open-space concept, two bedrooms, a bathroom, and an additional toilet. The living area of the apartment stands out particularly for its large area and open layout, which allows plenty of natural light and direct access to a spacious outdoor terrace.
The apartment has 89 m² of enclosed living space, while the outdoor part consists of a large balcony and loggia with a total area of 46 m², providing an exceptionally large space for relaxation, socializing, and outdoor living. The spacious terrace allows for the arrangement of a lounge zone, dining area, or additional space for outdoor enjoyment.
Apartments in the project are equipped with high-quality materials and modern equipment: anti-burglary and fire-resistant entrance doors, aluminum balcony doors and windows with electric blinds and mosquito nets, air ventilation recuperators in living areas with Wi-Fi control, and high-quality ceramics and sanitary equipment.
The property is located in a very good location in Umag, in a quiet part of the city, yet close to all important amenities for everyday life. Shops, restaurants, cafes, and seaside promenades are just a few minutes away, while the city center and well-maintained beaches are easily accessible on foot or by a short drive. The location is suitable for both permanent residence and tourist rental.
The building is part of a modern new construction project with multiple apartments of various sizes. Each apartment includes a storage room of 8.28 m² and a garage parking space, with the option to purchase an additional garage space. There is also an option to pay an additional fee for a 3.6 kW power connection for charging an electric vehicle.
Several apartments of different types and sizes are available in the project, and the price depends on the apartment's position, associated terrace, and garage space. Purchase is possible during the construction phase with flexible payment terms.
The planned completion of construction is 09/2026.
For more information about this apartment or other available apartments in the project, and to arrange a viewing, please feel free to contact us.
Property details
Open space
Privacy
Terrace
Electric blinds
Garden
Close to the center
Video intercom
Internal stairs
Elevator
Sundeck
Air conditioning
Smart home
Security door
Close to the sea
Floor plan
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Monthly payment
551,616 €
Total loan amount
Energy Class
Global Energy Performance Index
A
A+
A
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D
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H
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Frequently Asked Questions
What are the first steps when buying real estate in Croatia?
Buying real estate begins with defining your needs and financial capabilities. It is recommended to start by reviewing the market and contacting a real estate agency that can help you select reliable and legally sound properties. It is important to know if you are looking for an apartment, house, land, or commercial space, in which region, and within what budget. Our team of experts will help you choose the best property for your lifestyle or investment goal and guide you through the entire buying process.
What are all the costs associated with buying real estate?
In addition to the price of the property itself, the buyer also bears additional costs such as:
- Real estate transfer tax – 3% of the market value (except for new construction with VAT)
- Agency commission – usually 2-3% + VAT (includes legal check and consulting)
- Notary fees – for signature verification and solemnization of the contract
- Land registry registration costs
- Bank costs (if you are buying with a loan)
Regent will prepare a detailed estimate of all costs in advance so you can plan your budget without surprises.
How long does the real estate buying process take?
The time required for purchase varies, but the average process takes from 2 to 6 weeks, depending on the readiness of the documentation and the payment method (cash or credit). After agreeing on the purchase, a preliminary contract is drawn up, a legal check is performed, the main contract is prepared, it is signed before a notary, and finally – ownership is registered. If everything is in order with the documentation, the entire process can be completed very quickly, and our team will ensure that every step is safe and without complications.
What documents do I need to prepare as a buyer?
The buyer must have a valid ID card or passport, OIB (personal identification number), and financing information (deposit confirmation, loan pre-approval, etc.). For foreign citizens, a certificate from the Ministry of Justice on the possibility of acquiring ownership may also be required. If you are buying with a loan, bank documentation is also needed. Our legal team will guide you through all the necessary steps and help you collect the documentation.
How can I know if the property is legally secure?
The legal security of a property is checked through the title deed, cadastral data, building permits, occupancy permit, and other relevant documents. It is also checked whether there are any encumbrances (mortgages, notations) or legal disputes. The Regent agency performs a complete legal check for you and cooperates with lawyers and notaries so you can buy without fear.
Can I buy property if I am not a Croatian citizen?
Yes, foreign citizens can buy real estate in Croatia, but the conditions depend on their country of origin. EU citizens can buy freely, while citizens of third countries must have the approval of the Ministry of Justice or have an established company in Croatia. Our team provides complete support to foreign buyers - from preparing documentation to explaining tax and legal aspects.
Can I buy property with a loan?
Yes, you can. Most banks in Croatia offer housing loans to domestic and foreign citizens, but the conditions vary depending on your residence, income, and status. If you plan to buy with a loan, we recommend that you contact your bank or a financial advisor in advance. Regent cooperates with several banks and can connect you with reliable loan advisors to get the most favorable conditions.
What does a property reservation look like?
A reservation is made by signing a statement of intent to purchase and paying a reservation deposit - usually 1% to 3% of the agreed price. This 'takes the property off the market' and holds it for you while the documentation and contract are being prepared. The deposit is counted towards the total purchase price. In case of withdrawal without a justified reason, there is a possibility of losing the paid amount, depending on the agreement.
What does 'unencumbered title deed' mean?
This means that the property is clean, i.e., it is not encumbered by a mortgage, notation, third-party rights, or court disputes. Such a title deed guarantees that the owner has the full right to dispose of the property, which is a key condition for a safe purchase. Our agency, in cooperation with lawyers and public registries, verifies this information for all properties we offer.
How soon can I move in after the purchase?
You can move in immediately after signing the contract, paying the full amount, and registering in the land register, unless otherwise agreed in the contract (e.g., a specific period for the seller to move out). In practice, this can be within a few days to a few weeks. The Regent agency organizes all stages of the transfer and ensures a smooth transition of ownership and use.
How to check the legal status of a property before buying?
Before buying a property, it is important to check the land registry extract, which determines who the legal owner is and whether there are any encumbrances or liens on the property. The possession certificate allows you to check the actual state of the property in the cadastre and its ownership. It is also important to check the building and use permits to ensure that the property was built in accordance with regulations and can be legally used.
What is a preliminary contract and is it mandatory?
A preliminary contract is a legal document that defines the terms of sale before the main contract is concluded. Although not legally binding, it is often used for the buyer and seller to secure their interests before the final transaction. It usually establishes the purchase price, payment deadlines, obligations of both parties, and the deadline for concluding the main contract. The buyer often pays a down payment as security that the transaction will be realized, and in case of withdrawal, loses the amount paid. The preliminary contract also provides security to the seller and can be useful when applying for a loan, as banks often require proof of intent to purchase.
What are the buyer's obligations after signing the sales contract?
After signing the sales contract, the buyer is obliged to pay the agreed purchase price in accordance with the agreed deadlines. They must also file a real estate transfer tax return with the competent Tax Administration and pay the corresponding tax, unless the property is exempt from taxation (e.g., new construction with VAT). The next step is to submit an application for registration of ownership in the land register, whereby the buyer formally becomes the legal owner of the property. After that, it is necessary to take possession of the property from the seller, including the keys and any technical documentation. Additionally, the buyer needs to transfer utility costs (electricity, water, gas, internet) to their name and, if necessary, arrange for property insurance.
How is the purchase price of the property paid?
The price is most often paid in two phases - by paying a down payment when concluding the preliminary contract and the rest of the amount when signing the main sales contract or after the registration of ownership. Payments are made via bank transfer, very often in the presence of a notary.
How long does it take for the buyer to be registered as the owner?
After signing the sales contract, the new owner can immediately initiate the procedure of registration in the land register. The deadline for registration varies depending on the workload of the competent court, but on average it takes from a few days to a few weeks. The application can be submitted in person or via the e-Justice system, with the mandatory fee and original documentation.
Who can buy real estate in Croatia?
Real estate in Croatia can be purchased by citizens of the Republic of Croatia, foreign citizens from EU member states, and citizens of third countries if there is reciprocity between the states. Legal entities registered in Croatia also have the right to purchase. Foreign citizens must first request the consent of the Ministry of Justice, unless they come from countries with which Croatia has a mutual agreement.