Terraced house in Algoz
Terraced house in Algoz — image 2Terraced house in Algoz — image 3Terraced house in Algoz — image 4Terraced house in Algoz — image 5
Grade Bvillaluxury

Terraced house in Algoz

Silves · Central Algarve ·

€640,000

Asking Price (EUR)

2.1%

True Net Yield (Owner, all-in)

1.5%

True Net Yield (Managed, all-in)

3.2%

True Gross Yield

21%

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: €24,502/yr
Average Daily Rate: €319
+23.0% vs area baselineImage quality 8/10 (+3%), Modern/contemporary style (+12%), Has pool (0%), Luxury finish (+8%)
Payback Period: 32.6 years
5-yr Capital Value: €840,950
10-yr Capital Value: €1.0M
Brixfox Score: 55.3 / 100
Comparable Properties: 7
Data Confidence: 79%
Search Radius: 2 km

True Investment Cost

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

€756,520

+18.2% over asking

Asking price€640,000
IMT — Property transfer tax (investment schedule)€38,400
IS — Stamp duty (0.8%)€5,120
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€9,600
Total acquisition costs€54,370
Renovation€0 — move-in ready
Furnishing & STR launch (4bd × €8000 base, luxury tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€62,150
All-in investment (incl. renovation & furnishing)€756,520

Gross yield (asking price)

3.8%

True gross yield (all-in)

3.2%

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: 4
Bathrooms: 4
Building: 187 m²
Land: 190 m²
Style: modern
Condition: excellent
Year Built: 2021
Energy Certificate: A
Private Pool

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

private swimming poolmodern architectural designoutdoor dining area with umbrella

Score Breakdown

ROI
11.36
Visual Appeal
14.2
Ownership Security
13
Location
7.2
Land & Space
4.39
Rental Demand
2.11
Payback Speed
0
STR Suitability
3

Description

Discover this sophisticated contemporary 4 bedroom villa, where comfort, functionality and elegance come together harmoniously. With a recent construction and high quality finishes, this property was thought out in detail to meet the demands of modern life. Located in a quiet area, but strategically close to everythin

Location

📍 37.1890°N, 8.4390°W

· Silves, Algarve, Portugal

View on Villas Key →Also on Idealista.pt
Idealista.pt
Silves / Central Algarve

Terraced house in Algoz

Inventory
4 Beds
Bathrooms
4 Baths
Built Area
187 m²
Land Plot
190 m²
Tenure
Freehold
Yield Curve Status

Grade B investment — short-term rental yields 2.5% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score55
GradeB
Brixfox Intelligence
55BStrong
Score Breakdown
ROI & Yield61%
Capital Growth58%
Risk Profile57%
Market Demand55%

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
+6.2%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+3.8%
+$120K in 5yr (+19%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
2.5%
$1,433/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
14 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
40.5 yr
Rental only

Property details

Year built: 2021
Energy: A
Condition: excellent

Description

Discover this sophisticated contemporary 4 bedroom villa, where comfort, functionality and elegance come together harmoniously. With a recent construction and high quality finishes, this property was thought out in detail to meet the demands of modern life. Located in a quiet area, but strategically close to everythin

Income Breakdown

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Nightly Rate (ADR)
$460/night
50% ($212)Brixfox estimate($460/night)200% ($847)
Occupancy
21%
10%Brixfox estimate(21%)100%

Short-Term Rental

Yearly income
$17,193
Airbnb data$460/night · 21% occupancy
Rental income
$460/night · 21% occ.
$35,405
Running costs (20%)
Utilities, cleaning, maintenance
-$7,081
Income tax (10%)
Indonesian rental income tax
-$9,914
Property tax
Annual property tax
-$1,217
Net income
2.5% ROI
$17,193

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$695,652
IMT (transfer tax, investment schedule)$41,739
Imposto de Selo (stamp duty)$5,565
Notary & registration$1,359
Legal / due diligence$10,435
Total acquisition costs$59,098
RenovationMove-in ready
Furnishing & STR launch
4bd × $8,696 base + appliances, electronics, outdoor, licence, photography, linens.		$65,380
All-in investment$820,130

Gross yield (asking)

5.1%

True gross yield (all-in)

4.3%

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 Silves.

$3.3M$2.4M$1.6M$813K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $640K
Capital appreciation
Property value growing at +4%/yr based on Silves 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 27: rental income alone has repaid the full purchase price.
2x return
Year 13: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$779K
+22%
Rental Income
+$84K
Total Position
$863K
+35%
6.2%/yr
Year 10
Capital Value
$947K
+48%
Rental Income
+$181K
Total Position
$1.1M
+76%
5.8%/yr
Year 20
Capital Value
$1.4M
+119%
Rental Income
+$425K
Total Position
$1.8M
+186%
5.4%/yr
Year 30
Capital Value
$2.1M
+224%
Rental Income
+$753K
Total Position
$2.8M
+342%
5.1%/yr

Location

Silves

Central Algarve, Approximate area

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Airbnb Comp Analysis

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Weak
2.5% annual return
Occupancy
Weak
21% average occupancy
Nightly Rate
Strong
$424 per night
Visual Appeal
Strong
8/10 instagrammability
Size & Space
Average
190 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $424 — positioned in the top tier
Stunning visuals with 8/10 instagrammability — commands premium nightly rates
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Yield of 2.5% is below 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.
4.9%
$2,839/mo
40% occ.
6.6%
$3,819/mo
21% occ.
3.4%
$1,964/mo
current
31% occ.
5.1%
$2,944/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.