T3 flat in Rua das Especiarias, Victoria - Monte Laguna, Vilamoura, Quarteira
T3 flat in Rua das Especiarias, Victoria - Monte Laguna, Vilamoura, Quarteira — image 2T3 flat in Rua das Especiarias, Victoria - Monte Laguna, Vilamoura, Quarteira — image 3T3 flat in Rua das Especiarias, Victoria - Monte Laguna, Vilamoura, Quarteira — image 4T3 flat in Rua das Especiarias, Victoria - Monte Laguna, Vilamoura, Quarteira — image 5
Grade Bapartmentmid-range

T3 flat in Rua das Especiarias, Victoria - Monte Laguna, Vilamoura, Quarteira

Loulé/Vilamoura · Golden Triangle ·

€1.3M

Asking Price (EUR)

4.0%

True Net Yield (Owner, all-in)

2.8%

True Net Yield (Managed, all-in)

5.1%

True Gross Yield

47%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 2.2 months ago and is currently at 19% maturity. Yields shown apply a conservative calibration (realised-ADR factor 0.76, occupancy cap 67%) that auto-fades to full fidelity by April 2027.

Projected Gross Revenue: €74,518/yr
Average Daily Rate: €438
+13.0% vs area baselineImage quality 8/10 (+3%), Modern/contemporary style (+12%), No pool (-12%), Has view (+10%)
Payback Period: 34.1 years
5-yr Capital Value: €1.5M
10-yr Capital Value: €1.7M
Brixfox Score: 62 / 100
Comparable Properties: 8
Data Confidence: 77%
Search Radius: 2 km

True Investment Cost

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

€1.5M

+12.2% over asking

Asking price€1.3M
IMT — Property transfer tax (investment schedule)€97,500
IS — Stamp duty (0.8%)€10,400
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€19,500
Total acquisition costs€128,650
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)€1.5M

Gross yield (asking price)

5.7%

True gross yield (all-in)

5.1%

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: 3
Building: 235 m²
Style: modern
Condition: new-build
Year Built: 2025
Energy Certificate: A+
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

large sliding glass doorsintegrated kitchen island

Score Breakdown

ROI
11.29
Visual Appeal
13.6
Ownership Security
13
Location
8.4
Land & Space
6
Rental Demand
4.66
Payback Speed
1
STR Suitability
4

Description

This development is in perfect harmony with the surrounding nature, featuring private gardens and common green spaces. The gardens provide a tranquil and relaxing environment where residents can enjoy the beauty of the natural landscape. Luxury 3-bedroom apartment with 235 sq. m. of total built area including 2 parkin

Location

📍 37.1062°N, 8.1401°W

· Loulé/Vilamoura, Algarve, Portugal

View on Kasas e Kasas - Algarve Property Mediação Imobiliária, Lda →Also on Idealista.pt
T3 flat in Rua das Especiarias, Victoria - Monte Laguna, Vilamoura, Quarteira
Idealista.pt
Source verified

T3 flat in Rua das Especiarias, Victoria - Monte Laguna, Vilamoura, Quarteira

Loulé/Vilamoura · Golden Triangle · Freehold · Ref BF-9696
Ownership
Freehold
Bedrooms
3
Bathrooms
3
Built area
235 m²
True net yield
2.9%
≈ $6,474/mo net after costs & tax
Brixfox Score 62 · B

Property details

Year built: 2025
Energy: A+
Condition: new-build

Description

This development is in perfect harmony with the surrounding nature, featuring private gardens and common green spaces. The gardens provide a tranquil and relaxing environment where residents can enjoy the beauty of the natural landscape. Luxury 3-bedroom apartment with 235 sq. m. of total built area including 2 parkin

Income Breakdown

Figures are modelled estimates derived from comparable short-term-rental data — not guaranteed returns or financial advice. Do your own due diligence before investing.

Adjust Forecast

Customize your projections
Nightly Rate (ADR)
$630/night
50% ($290)Brixfox estimate($630/night)200% ($1159)
Occupancy
47%
10%Brixfox estimate(47%)100%

Short-Term Rental

Yearly income
$51,614
Airbnb data$630/night · 47% occupancy
Rental income
$630/night · 47% occ.
$99,258
Running costs (20%)
Utilities, cleaning, maintenance
-$19,852
Income tax (10%)
Indonesian rental income tax
-$27,792
Property tax
Annual property tax
-$0
Net income
3.7% ROI
$51,614

Long-Term Rental

No long-term rental data available

Not enough comparable rentals in this area

Airbnb Comp Analysis

No nearby Airbnb listings found

Investment Returns

After-tax net yield · all-in cost basis

Approx. location

Net Yield · Fully-Managed · After Tax

2.9%

on all-in cost of $1,554,565

Scenario
Pre-tax
After-tax
Owner-managed
5.0%
4.4%
Fully-managed
3.5%
2.9%
After-tax nets ~28% non-resident IRS on AL income (simplified regime). Yields are on the all-in acquisition cost, not the asking price.

Gross Yield

6.4%

Annual Revenue

$99,258

Income Tax / yr

$8,685

Payback

34 yrs

True All-In Cost
Asking price$1,413,043
IMT — transfer tax (non-resident 7.5%)$105,978
Stamp duty (0.8%)$11,304
Notary + registry$2,174
Legal$13,370
Furnishing + STR launch$8,696
All-in cost$1,554,565

Growth & Exit Strategy

How your investment grows over time

Freehold — 4%/yr appreciation in Loulé/Vilamoura.

$7.4M$5.6M$3.7M$1.9M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $1.3M
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 21: 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
$1.6M
+22%
Rental Income
+$252K
Total Position
$1.8M
+41%
7.1%/yr
Year 10
Capital Value
$1.9M
+48%
Rental Income
+$544K
Total Position
$2.5M
+90%
6.6%/yr
Year 20
Capital Value
$2.8M
+119%
Rental Income
+$1.3M
Total Position
$4.1M
+217%
5.9%/yr
Year 30
Capital Value
$4.2M
+224%
Rental Income
+$2.3M
Total Position
$6.5M
+398%
5.5%/yr

Location

Loulé/Vilamoura

Golden Triangle, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Average
3.7% annual return
Occupancy
Average
47% average occupancy
Nightly Rate
Strong
$580 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 $580 — 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 3.7% 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.
3.4%
$4,025/mo
40% occ.
4.6%
$5,366/mo
47% occ.
5.3%
$6,253/mo
current
57% occ.
6.4%
$7,595/mo

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Data Sources & Methodology

ROI calculations use verified Brixfox Intelligence rental data from a 12-month trailing window. Opex: 20% owner-managed, 45% fully-managed. Market factors in Portugal may impact actual yields.

Asking price · Freehold
$1,413,043
2.9%
Net yield
View original listing
Source verified · Idealista.pt · listed 2 Jun 2026
Estimates, not financial advice. Yields modelled from real Airbnb data.