Detached house in Rua Humberto Fernandes, 4, Pechão, Olhão
Detached house in Rua Humberto Fernandes, 4, Pechão, Olhão — image 2Detached house in Rua Humberto Fernandes, 4, Pechão, Olhão — image 3Detached house in Rua Humberto Fernandes, 4, Pechão, Olhão — image 4Detached house in Rua Humberto Fernandes, 4, Pechão, Olhão — image 5
Grade B+villamid-range

Detached house in Rua Humberto Fernandes, 4, Pechão, Olhão

Olhão · Eastern Algarve ·

€515,000

Asking Price (EUR)

4.2%

True Net Yield (Owner, all-in)

2.9%

True Net Yield (Managed, all-in)

6.4%

True Gross Yield

51%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 2.1 months ago and is currently at 17% 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: €38,383/yr
Average Daily Rate: €207
-7.0% vs area baselinePortuguese-traditional style (+5%), No pool (-12%)
Payback Period: 16.8 years
5-yr Capital Value: €676,702
10-yr Capital Value: €823,312
Brixfox Score: 66.3 / 100
Comparable Properties: 17
Data Confidence: 84%
Search Radius: 2 km

True Investment Cost

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

€599,115

+16.3% over asking

Asking price€515,000
IMT — Property transfer tax (investment schedule)€29,030
IS — Stamp duty (0.8%)€4,120
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€7,725
Total acquisition costs€42,125
Renovation (est. €55/m² × 178 m²)
Light touch-ups — paint, fixtures, deep clean.		€9,790
(€5,340–€14,240)
Furnishing & STR launch (3bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€32,200
All-in investment (incl. renovation & furnishing)€599,115

Gross yield (asking price)

7.5%

True gross yield (all-in)

6.4%

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
Bathrooms: 4
Building: 178 m²
Land: 308 m²
Style: portuguese-traditional
Condition: good
Year Built: 2003
Energy Certificate: C

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

stone-clad-wallbalcony-with-iron-railingoutdoor-dining-area

Score Breakdown

ROI
16.96
Visual Appeal
11.2
Ownership Security
13
Location
7.8
Land & Space
7.24
Rental Demand
5.09
Payback Speed
2
STR Suitability
3

Description

Fantastic 3-bedroom villa, located in the quiet village of Pechão, with excellent access and just a 5-minute drive from Olhão and 10 minutes from Faro. The villa is set in a plot of land with 308m2 and has a gross area of 178m2, divided into: - Basement on the ground floor with garage space and toilet; - Ground floor

Location

📍 37.0405°N, 7.8507°W

· Olhão, Algarve, Portugal

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Idealista.pt
Olhão / Eastern Algarve

Detached house in Rua Humberto Fernandes, 4, Pechão, Olhão

Inventory
3 Beds
Bathrooms
4 Baths
Built Area
178 m²
Land Plot
308 m²
Tenure
Freehold
Yield Curve Status

Grade B+ investment — short-term rental yields 5.0% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score66
GradeB+
Brixfox Intelligence
66B+Strong
Score Breakdown
ROI & Yield73%
Capital Growth69%
Risk Profile68%
Market Demand66%

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
+8.7%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+3.8%
+$97K in 5yr (+19%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
5.0%
$2,323/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
20.1 yr
Rental only

Property details

Year built: 2003
Energy: C
Condition: good

Description

Fantastic 3-bedroom villa, located in the quiet village of Pechão, with excellent access and just a 5-minute drive from Olhão and 10 minutes from Faro. The villa is set in a plot of land with 308m2 and has a gross area of 178m2, divided into: - Basement on the ground floor with garage space and toilet; - Ground floor

Income Breakdown

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Nightly Rate (ADR)
$299/night
50% ($137)Brixfox estimate($299/night)200% ($550)
Occupancy
51%
10%Brixfox estimate(51%)100%

Short-Term Rental

Yearly income
$27,878
Airbnb data$299/night · 51% occupancy
Rental income
$299/night · 51% occ.
$55,496
Running costs (20%)
Utilities, cleaning, maintenance
-$11,099
Income tax (10%)
Indonesian rental income tax
-$15,539
Property tax
Annual property tax
-$980
Net income
5.0% ROI
$27,878

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$559,783
IMT (transfer tax, investment schedule)$31,554
Imposto de Selo (stamp duty)$4,478
Notary & registration$1,359
Legal / due diligence$8,397
Total acquisition costs$45,788
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$10,641
($5,804–$15,478)
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$32,826
All-in investment$649,038

Gross yield (asking)

9.9%

True gross yield (all-in)

8.6%

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 Olhão.

$3.3M$2.5M$1.7M$831K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $515K
Capital appreciation
Property value growing at +4%/yr based on Olhão 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 16: rental income alone has repaid the full purchase price.
2x return
Year 10: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$627K
+22%
Rental Income
+$136K
Total Position
$763K
+48%
8.2%/yr
Year 10
Capital Value
$762K
+48%
Rental Income
+$294K
Total Position
$1.1M
+105%
7.4%/yr
Year 20
Capital Value
$1.1M
+119%
Rental Income
+$689K
Total Position
$1.8M
+253%
6.5%/yr
Year 30
Capital Value
$1.7M
+224%
Rental Income
+$1.2M
Total Position
$2.9M
+461%
5.9%/yr

Location

Olhão

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
5.0% annual return
Occupancy
Average
51% average occupancy
Nightly Rate
Strong
$275 per night
Visual Appeal
Good
6/10 instagrammability
Size & Space
Good
308 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $275 — 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 5.0% 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

31% occ.
4.0%
$1,883/mo
41% occ.
5.4%
$2,519/mo
51% occ.
6.8%
$3,156/mo
current
61% occ.
8.1%
$3,792/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.