T3 flat in Pegada - Mato Santo Espírito - Vale Carangueijo, Tavira
Grade Bapartmentmid-range

T3 flat in Pegada - Mato Santo Espírito - Vale Carangueijo, Tavira

Tavira · Eastern Algarve ·

€420,000

Asking Price (EUR)

3.3%

True Net Yield (Owner, all-in)

2.3%

True Net Yield (Managed, all-in)

5.0%

True Gross Yield

35%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.9 months ago and is currently at 16% maturity. Yields shown apply a conservative calibration (realised-ADR factor 0.75, occupancy cap 67%) that auto-fades to full fidelity by April 2027.

Projected Gross Revenue: €24,295/yr
Average Daily Rate: €188
Payback Period: 21.4 years
5-yr Capital Value: €551,874
10-yr Capital Value: €671,439
Brixfox Score: 59.9 / 100
Comparable Properties: 17
Data Confidence: 93%
Search Radius: 2 km

True Investment Cost

Portuguese transfer tax (IMT) + stamp duty (IS) + notary + registration + legal + renovation + full furnishing & STR launch setup.

€482,540

+14.9% over asking

Asking price€420,000
IMT — Property transfer tax (investment schedule)€21,430
IS — Stamp duty (0.8%)€3,360
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€6,300
Total acquisition costs€32,340
Renovation€0 — move-in ready
Furnishing & STR launch (3bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€30,200
All-in investment (incl. renovation & furnishing)€482,540

Gross yield (asking price)

5.8%

True gross yield (all-in)

5.0%

Estimates use Portugal's investment IMT schedule (non-permanent residence). Actual notary & legal vary; budget +€500–1,000 for surveyor, due-diligence and bank-mortgage fees if financing. Renovation cost is a heuristic on property condition × m² — verify with a site visit. Furnishing uses finish-level-tiered rates covering beds, living, kitchen, electronics, AL licence, linens & professional photography. Working capital (2-3 months operating buffer) not included.

Bedrooms: 3
Building: 128 m²
Style: modern
Condition: new-build
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

large sliding glass doorsspacious balcony

Score Breakdown

ROI
14.96
Visual Appeal
10
Ownership Security
13
Location
9.84
Land & Space
4.56
Rental Demand
3.54
Payback Speed
1
STR Suitability
3

Description

Modern three-bedroom flat with large areas and lots of light. Comprising entrance hall, open-plan kitchen and living room, three bedrooms, one en suite, two bathrooms and two balconies. With high-quality finishes, it has electric shutters, water heating via solar panels, air conditioning, fitted kitchen and underfloo

Location

📍 37.1270°N, 7.6506°W

· Tavira, Algarve, Portugal

View on Idealista.pt
Idealista.pt
Tavira / Eastern Algarve

T3 flat in Pegada - Mato Santo Espírito - Vale Carangueijo, Tavira

Inventory
3 Beds
Bathrooms
0 Baths
Built Area
128 m²
Land Plot
0 m²
Tenure
Freehold
Yield Curve Status

Grade B investment — short-term rental yields 3.9% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score60
GradeB
Brixfox Intelligence
60BStrong
Score Breakdown
ROI & Yield66%
Capital Growth63%
Risk Profile62%
Market Demand60%

The Brixfox Score is our proprietary AI-powered rating that evaluates rental ROI, capital appreciation potential, risk factors, and local market dynamics to give you a single investment quality metric.

Pro members get full score breakdown with AI recommendations
Average annual ROI over 5 years, combining both rental income and property value growth.
Total
+8.2%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+4.3%
+$91K in 5yr (+22%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
3.9%
$1,466/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
11 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
26.0 yr
Rental only

Property details

Condition: new-build

Description

Modern three-bedroom flat with large areas and lots of light. Comprising entrance hall, open-plan kitchen and living room, three bedrooms, one en suite, two bathrooms and two balconies. With high-quality finishes, it has electric shutters, water heating via solar panels, air conditioning, fitted kitchen and underfloo

Income Breakdown

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Nightly Rate (ADR)
$273/night
50% ($126)Brixfox estimate($273/night)200% ($503)
Occupancy
35%
10%Brixfox estimate(35%)100%

Short-Term Rental

Yearly income
$17,592
Airbnb data$273/night · 35% occupancy
Rental income
$273/night · 35% occ.
$35,366
Running costs (20%)
Utilities, cleaning, maintenance
-$7,073
Income tax (10%)
Indonesian rental income tax
-$9,903
Property tax
Annual property tax
-$799
Net income
3.9% ROI
$17,592

Long-Term Rental

No long-term rental data available

Not enough comparable rentals in this area

True all-in investment

What the headline asking price actually costs once mandatory taxes, fees, renovation, and furnishing are added. Yields rebased onto this number — closer to what you'll really earn against what you'll really pay.

Asking price$456,522
IMT (transfer tax, investment schedule)$23,293
Imposto de Selo (stamp duty)$3,652
Notary & registration$1,359
Legal / due diligence$6,848
Total acquisition costs$35,152
RenovationMove-in ready
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$32,826
All-in investment$524,500

Gross yield (asking)

7.7%

True gross yield (all-in)

6.7%

Estimates use Portugal's standard transfer tax + typical legal/notary defaults. Verify with local counsel before committing — actual fees vary by deal structure.

Growth & Exit Strategy

How your investment grows over time

Freehold — 4%/yr appreciation in Tavira.

$2.5M$1.8M$1.2M$613K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $420K
Capital appreciation
Property value growing at +4%/yr based on Tavira market trends.
Rental income
Cumulative net rental earnings collected over time, growing with annual revenue increases.
Total return
Capital value + rental income. Your actual total position if you sold and kept all rent.
Paid back
Year 20: rental income alone has repaid the full purchase price.
2x return
Year 11: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$511K
+22%
Rental Income
+$86K
Total Position
$597K
+42%
7.3%/yr
Year 10
Capital Value
$622K
+48%
Rental Income
+$186K
Total Position
$807K
+92%
6.8%/yr
Year 20
Capital Value
$920K
+119%
Rental Income
+$435K
Total Position
$1.4M
+223%
6.0%/yr
Year 30
Capital Value
$1.4M
+224%
Rental Income
+$770K
Total Position
$2.1M
+408%
5.6%/yr

Location

Tavira

Eastern Algarve, Approximate area

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Airbnb Comp Analysis

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Average
3.9% annual return
Occupancy
Weak
35% average occupancy
Nightly Rate
Strong
$252 per night
Visual Appeal
Average
5/10 instagrammability
Size & Space
Weak
0 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $252 — positioned in the top tier
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Yield of 3.9% is near the market average — model your cashflow carefully

Consider carefully. Returns are below market average for this price point.

Risks & What-If

What if occupancy changes?

Owner Managed scenario

30% occ.
4.4%
$1,680/mo
40% occ.
5.9%
$2,262/mo
35% occ.
5.2%
$1,996/mo
current
45% occ.
6.8%
$2,579/mo

Data Sources & Methodology

ROI calculations use verified Brixfox Intelligence rental data from a 12-month trailing window. Opex: 20% owner-managed, 45% fully-managed. Includes 10% Indonesian rental tax (PPh) and annual property tax (PBB). Market factors in Portugal may impact actual yields.