Guide to buying luxury apartments and flats on the Croatian coast

Buying a luxury apartment or flat on the Croatian coast has become an increasingly popular choice for those seeking a combination of elegance, comfort and an exclusive lifestyle by the sea. Whether you dream of a luxurious penthouse in Opatija, a modern apartment in Split or a charming property in Rovinj, the Croatian coastline keeps expanding its offer while buyer interest remains strong.

For many owners, a luxury property is more than just real estate — it’s an investment in a higher quality of life and lasting value. This guide explains what makes an apartment or flat truly luxurious, highlights the most desirable locations and outlines key tips for a safe and stress-free purchase.

What makes an apartment luxurious

Luxury apartments and flats in Croatia stand out primarily for their location — the most sought-after are right by the sea, with panoramic views of the Adriatic and close to all essential amenities. Contemporary architecture, spacious interiors and high-quality construction are the standard, along with advanced technology such as smart heating and cooling systems.

Finishes often include high-end wooden flooring, designer ceramic tiles and custom-made kitchens. Buyers increasingly appreciate extra features like private garages, pools, gyms or concierge services. Security and privacy are ensured through video surveillance, controlled access and gated communities.

All these features make premium apartments especially appealing to those who want a high-quality and comfortable life by the sea.

Modern apartment with three bedrooms and panoramic sea view – Opatija

Most popular destinations for luxury properties

The Croatian coast is incredibly diverse, and every region has its unique advantages. Opatija is known for its sophisticated atmosphere and excellent infrastructure, with many new developments offering spectacular views of Kvarner Bay. Rovinj and Poreč attract with a more peaceful, family-friendly atmosphere and authentic architecture, making them ideal for living or tourism.

Cities like Zadar and Split combine good transport connections with a rich cultural scene, while premium apartments in urban areas and along the promenade remain in high demand for long-term rental. Dubrovnik stands out as the most prestigious but also the most expensive market — apartments within or near the Old Town are particularly sought after.

Even the capital, Zagreb, keeps pace with luxury flats in residential neighbourhoods like Pantovčak, Tuškanac or the very city centre, where buyers focus on new builds with a high level of equipment and design.

If you’re considering where to buy a luxury apartment by the sea, these destinations are among the most attractive on the Adriatic — you can read more about this in our blog Best locations for investing in luxury real estate in Croatia in 2025.

Apartment or flat — which to choose

When deciding between a flat and an apartment, purpose is key. Flats are more often chosen for permanent living, while apartments are mostly found in tourist areas and bought for vacation or rental income. There’s also a difference in maintenance costs, utilities and tax obligations. Location plays an important role — flats are usually in residential city buildings, while apartments are closer to beaches and tourist attractions.

Regardless of your choice, new-build luxury flats and apartments guarantee high construction quality, modern design and the comfort that fully justifies your investment. If you are still deciding on your ideal luxury home, be sure to read our blog Penthouse or luxury villa? Find the perfect luxury home for your lifestyle.

Buying a luxury apartment as an investment

Luxury apartments on the Croatian coast are becoming increasingly popular among investors due to stable returns. Coastal regions with well-developed tourism offer excellent conditions for short-term rental through popular platforms like Airbnb or Booking.com. In addition, seaside property prices continue to rise steadily, protecting the value of your investment even during inflation.

Interest from foreign buyers keeps growing, and more digital nomads and investors are seeking to combine work and relaxation in a luxurious setting. Therefore, buying a luxury apartment remains one of the most secure forms of investment on the Adriatic.

Modern fully furnished 2-bedroom apartment with private courtyard, and pool, just 200 m from the sea - Krk

Legal and administrative tips

Before purchasing a luxury property, it’s important to be informed about the legal framework and necessary paperwork. EU citizens can buy apartments freely as private individuals. It’s essential to check the land registry, building and usage permits, as well as the energy certificate. The property transfer tax in Croatia is three percent and is paid by the buyer.

The buying process includes making a reservation, signing a pre-contract and final ownership transfer. Working with a trusted agency provides legal security and administrative support, while an expert team ensures everything runs smoothly.

How Remington Real Estate can help you

The Remington Real Estate team provides complete support every step of the way — from helping you choose the right location and property, giving access to exclusive projects, to legal and administrative assistance in Croatian, English and German. Collaboration with architects, tax advisors and lawyers makes every stage of the purchase process easier and guarantees clients maximum security and peace of mind.

3 bedroom penthouse 200 meters from the sea - move in ready

Luxury living made simple

Luxury apartments and flats on the Croatian coast are the perfect blend of a prestigious standard of living, unique location and safe investment. Whether you are looking for a new home by the sea or planning an investment with excellent returns, with Remington Real Estate you know you are in good hands.

Check out our current selection of luxury apartments and flats and find the home that best matches your wishes.