Terraced house, N270, Paderne, Albufeira
Terraced house, N270, Paderne, Albufeira — image 2Terraced house, N270, Paderne, Albufeira — image 3Terraced house, N270, Paderne, Albufeira — image 4Terraced house, N270, Paderne, Albufeira — image 5
Grade C+villamid-range

Terraced house, N270, Paderne, Albufeira

Albufeira · Central Algarve ·

€465,000

Asking Price (EUR)

1.9%

True Net Yield (Owner, all-in)

1.3%

True Net Yield (Managed, all-in)

3.0%

True Gross Yield

45%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.7 months ago and is currently at 14% 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: €16,219/yr
Average Daily Rate: €98
Payback Period: 35.4 years
5-yr Capital Value: €611,003
10-yr Capital Value: €743,379
Brixfox Score: 54.6 / 100
Comparable Properties: 8
Data Confidence: 56%
Search Radius: 6 km

True Investment Cost

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

€546,850

+17.6% over asking

Asking price€465,000
IMT — Property transfer tax (investment schedule)€25,030
IS — Stamp duty (0.8%)€3,720
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€6,975
Total acquisition costs€36,975
Renovation (est. €55/m² × 185 m²)
Light touch-ups — paint, fixtures, deep clean.		€10,175
(€5,550–€14,800)
Furnishing & STR launch (3bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€34,700
All-in investment (incl. renovation & furnishing)€546,850

Gross yield (asking price)

3.5%

True gross yield (all-in)

3.0%

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
Bathrooms: 3
Building: 185 m²
Land: 199 m²
Style: portuguese-traditional
Condition: good
Year Built: 2008
Energy Certificate: B-
Private Pool

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

shared swimming pool with decorative tilingoutdoor covered patio with lounge seatingtraditional terracotta floor tiles

Score Breakdown

ROI
11.02
Visual Appeal
10
Ownership Security
13
Location
8.4
Land & Space
4.62
Rental Demand
4.53
Payback Speed
0
STR Suitability
3

Description

The property is located in Monte Novo Village, near Paderne, in the municipality of Albufeira, where you can enjoy the comfort and tranquillity of its surroundings. In the surrounding area, there are a few neighboring buildings and unobstructed views of wooded areas. It is set in the security provided by a private cond

Location

📍 37.1712°N, 8.1905°W

· Albufeira, Algarve, Portugal

View on Century21 Realty Art →Also on Idealista.pt
Idealista.pt
Albufeira / Central Algarve

Terraced house, N270, Paderne, Albufeira

Inventory
3 Beds
Bathrooms
3 Baths
Built Area
185 m²
Land Plot
199 m²
Tenure
Freehold
Yield Curve Status

Grade C+ investment — short-term rental yields 2.3% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score55
GradeC+
Brixfox Intelligence
55C+Moderate
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
+7.2%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+4.9%
+$114K in 5yr (+25%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
2.3%
$956/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
12 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
44.1 yr
Rental only

Property details

Year built: 2008
Energy: B-
Condition: good

Description

The property is located in Monte Novo Village, near Paderne, in the municipality of Albufeira, where you can enjoy the comfort and tranquillity of its surroundings. In the surrounding area, there are a few neighboring buildings and unobstructed views of wooded areas. It is set in the security provided by a private cond

Income Breakdown

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Nightly Rate (ADR)
$144/night
50% ($66)Brixfox estimate($144/night)200% ($264)
Occupancy
45%
10%Brixfox estimate(45%)100%

Short-Term Rental

Yearly income
$11,469
Airbnb data$144/night · 45% occupancy
Rental income
$144/night · 45% occ.
$23,758
Running costs (20%)
Utilities, cleaning, maintenance
-$4,752
Income tax (10%)
Indonesian rental income tax
-$6,652
Property tax
Annual property tax
-$885
Net income
2.3% ROI
$11,469

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$505,435
IMT (transfer tax, investment schedule)$27,207
Imposto de Selo (stamp duty)$4,043
Notary & registration$1,359
Legal / due diligence$7,582
Total acquisition costs$40,190
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$11,060
($6,033–$16,087)
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$35,543
All-in investment$592,228

Gross yield (asking)

4.7%

True gross yield (all-in)

4.0%

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 Albufeira.

$2.3M$1.7M$1.2M$578K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $465K
Capital appreciation
Property value growing at +4%/yr based on Albufeira 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 29: 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
$566K
+22%
Rental Income
+$56K
Total Position
$622K
+34%
6.0%/yr
Year 10
Capital Value
$688K
+48%
Rental Income
+$121K
Total Position
$809K
+74%
5.7%/yr
Year 20
Capital Value
$1.0M
+119%
Rental Income
+$284K
Total Position
$1.3M
+180%
5.3%/yr
Year 30
Capital Value
$1.5M
+224%
Rental Income
+$502K
Total Position
$2.0M
+332%
5.0%/yr

Location

Albufeira

Central Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Weak
2.3% annual return
Occupancy
Average
45% average occupancy
Nightly Rate
Good
$132 per night
Visual Appeal
Good
6/10 instagrammability
Size & Space
Average
199 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Yield of 2.3% 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.
2.0%
$844/mo
40% occ.
2.7%
$1,150/mo
45% occ.
3.1%
$1,312/mo
current
55% occ.
3.8%
$1,618/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.