T2 flat in Victoria - Monte Laguna, Vilamoura, Quarteira
T2 flat in Victoria - Monte Laguna, Vilamoura, Quarteira — image 2T2 flat in Victoria - Monte Laguna, Vilamoura, Quarteira — image 3T2 flat in Victoria - Monte Laguna, Vilamoura, Quarteira — image 4T2 flat in Victoria - Monte Laguna, Vilamoura, Quarteira — image 5
Grade B+apartmentmid-range

T2 flat in Victoria - Monte Laguna, Vilamoura, Quarteira

Loulé/Vilamoura · Golden Triangle ·

€398,000

Asking Price (EUR)

5.4%

True Net Yield (Owner, all-in)

3.7%

True Net Yield (Managed, all-in)

8.3%

True Gross Yield

42%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.5 months ago and is currently at 12% maturity. Yields shown apply a conservative calibration (realised-ADR factor 0.74, occupancy cap 66%) that auto-fades to full fidelity by April 2027.

Projected Gross Revenue: €38,126/yr
Average Daily Rate: €250
+3.0% vs area baselinePortuguese-traditional style (+5%), No pool (-12%), Has view (+10%)
Payback Period: 12.8 years
5-yr Capital Value: €522,966
10-yr Capital Value: €636,268
Brixfox Score: 66.4 / 100
Comparable Properties: 38
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.

€458,974

+15.3% over asking

Asking price€398,000
IMT — Property transfer tax (investment schedule)€19,670
IS — Stamp duty (0.8%)€3,184
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€5,970
Total acquisition costs€30,074
Renovation (est. €55/m² × 110 m²)
Light touch-ups — paint, fixtures, deep clean.		€6,050
(€3,300–€8,800)
Furnishing & STR launch (2bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€24,850
All-in investment (incl. renovation & furnishing)€458,974

Gross yield (asking price)

9.6%

True gross yield (all-in)

8.3%

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: 2
Bathrooms: 2
Building: 110 m²
Style: portuguese-traditional
Condition: good
Energy Certificate: B
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

golf-course-viewcobblestone-path

Score Breakdown

ROI
19.83
Visual Appeal
10.8
Ownership Security
13
Location
8.4
Land & Space
4.2
Rental Demand
4.18
Payback Speed
3
STR Suitability
3

Description

Presenting a captivating 2-bedroom, 2-bathroom apartment boasting an enchanting view of the golf course, now available for sale. This delightful residence exudes charm, featuring a sunny terrace extending seamlessly from the living room and kitchen, providing a pleasant vista of the shimmering swimming pool. Both the

Location

📍 37.1006°N, 8.1271°W

· Loulé/Vilamoura, Algarve, Portugal

View on Private International Real Estate →Also on Idealista.pt
Idealista.pt
Loulé/Vilamoura / Golden Triangle

T2 flat in Victoria - Monte Laguna, Vilamoura, Quarteira

Inventory
2 Beds
Bathrooms
2 Baths
Built Area
110 m²
Land Plot
0 m²
Tenure
Freehold
Yield Curve Status

Grade B+ investment — short-term rental yields 6.6% 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
+12.7%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+6.1%
+$122K in 5yr (+31%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
6.6%
$2,376/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
8 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
15.2 yr
Rental only

Property details

Energy: B
Condition: good

Description

Presenting a captivating 2-bedroom, 2-bathroom apartment boasting an enchanting view of the golf course, now available for sale. This delightful residence exudes charm, featuring a sunny terrace extending seamlessly from the living room and kitchen, providing a pleasant vista of the shimmering swimming pool. Both the

Income Breakdown

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Nightly Rate (ADR)
$369/night
50% ($170)Brixfox estimate($369/night)200% ($680)
Occupancy
42%
10%Brixfox estimate(42%)100%

Short-Term Rental

Yearly income
$28,507
Airbnb data$369/night · 42% occupancy
Rental income
$369/night · 42% occ.
$56,277
Running costs (20%)
Utilities, cleaning, maintenance
-$11,255
Income tax (10%)
Indonesian rental income tax
-$15,758
Property tax
Annual property tax
-$757
Net income
6.6% ROI
$28,507

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$432,609
IMT (transfer tax, investment schedule)$21,380
Imposto de Selo (stamp duty)$3,461
Notary & registration$1,359
Legal / due diligence$6,489
Total acquisition costs$32,689
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$6,576
($3,587–$9,565)
Furnishing & STR launch
2bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$27,011
All-in investment$498,885

Gross yield (asking)

13.0%

True gross yield (all-in)

11.3%

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 Loulé/Vilamoura.

$2.9M$2.2M$1.5M$730K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $398K
Capital appreciation
Property value growing at +4%/yr based on Loulé/Vilamoura 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 13: rental income alone has repaid the full purchase price.
2x return
Year 9: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$484K
+22%
Rental Income
+$139K
Total Position
$623K
+57%
9.4%/yr
Year 10
Capital Value
$589K
+48%
Rental Income
+$301K
Total Position
$890K
+124%
8.4%/yr
Year 20
Capital Value
$872K
+119%
Rental Income
+$705K
Total Position
$1.6M
+296%
7.1%/yr
Year 30
Capital Value
$1.3M
+224%
Rental Income
+$1.2M
Total Position
$2.5M
+538%
6.4%/yr

Location

Loulé/Vilamoura

Golden Triangle, Approximate area

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Airbnb Comp Analysis

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Good
6.6% annual return
Occupancy
Weak
42% average occupancy
Nightly Rate
Strong
$340 per night
Visual Appeal
Good
7/10 instagrammability
Size & Space
Weak
0 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $340 — positioned in the top tier
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Occupancy at 42% — factor in seasonal gaps

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

Risks & What-If

What if occupancy changes?

Owner Managed scenario

30% occ.
6.4%
$2,296/mo
40% occ.
8.5%
$3,082/mo
42% occ.
8.9%
$3,220/mo
current
52% occ.
11.1%
$4,006/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.