Terraced house in Estrada de Albufeira, Pinhal Velho - Terraços do Pinhal - Encosta das Oliveiras, Quarteira
Terraced house in Estrada de Albufeira, Pinhal Velho - Terraços do Pinhal - Encosta das Oliveiras, Quarteira — image 2Terraced house in Estrada de Albufeira, Pinhal Velho - Terraços do Pinhal - Encosta das Oliveiras, Quarteira — image 3Terraced house in Estrada de Albufeira, Pinhal Velho - Terraços do Pinhal - Encosta das Oliveiras, Quarteira — image 4Terraced house in Estrada de Albufeira, Pinhal Velho - Terraços do Pinhal - Encosta das Oliveiras, Quarteira — image 5
Grade Bvilla

Terraced house in Estrada de Albufeira, Pinhal Velho - Terraços do Pinhal - Encosta das Oliveiras, Quarteira

Loulé/Vilamoura · Golden Triangle ·

€775,000

Asking Price (EUR)

4.0%

True Net Yield (Owner, all-in)

2.8%

True Net Yield (Managed, all-in)

6.1%

True Gross Yield

48%

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: €56,803/yr
Average Daily Rate: €322
Payback Period: 16.8 years
5-yr Capital Value: €1.0M
10-yr Capital Value: €1.2M
Brixfox Score: 64.2 / 100
Comparable Properties: 12
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.

€928,775

+19.8% over asking

Asking price€775,000
IMT — Property transfer tax (investment schedule)€46,500
IS — Stamp duty (0.8%)€6,200
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€11,625
Total acquisition costs€65,575
Renovation (est. €200/m² × 280 m², from finish level)
Condition & finish level not reported — shown as a moderate contingency. Verify on site visit.		€56,000
(€28,000–€84,000)
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)€928,775

Gross yield (asking price)

7.3%

True gross yield (all-in)

6.1%

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: 4
Building: 280 m²

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Score Breakdown

ROI
16.92
Visual Appeal
10
Ownership Security
13
Location
8.4
Land & Space
6
Rental Demand
4.84
Payback Speed
2
STR Suitability
3

Description

Modern Comfort, Space & Serenity - A home designed for Living, not just staying. Step inside and immediately feel it space, light, and calm. From the moment you enter, this property welcomes you with a bright and elegant entrance hall, flowing effortlessly into the living areas setting the tone for a home that is bot

Location

📍 37.0680°N, 8.1000°W

· Loulé/Vilamoura, Algarve, Portugal

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Idealista.pt
Loulé/Vilamoura / Golden Triangle

Terraced house in Estrada de Albufeira, Pinhal Velho - Terraços do Pinhal - Encosta das Oliveiras, Quarteira

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

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

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The Investment

Brixfox Score64
GradeB
Brixfox Intelligence
64BStrong
Score Breakdown
ROI & Yield70%
Capital Growth67%
Risk Profile66%
Market Demand64%

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
+11.1%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+6.1%
+$238K in 5yr (+31%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
5.0%
$3,478/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
9 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
20.2 yr
Rental only

Property details

Description

Modern Comfort, Space & Serenity - A home designed for Living, not just staying. Step inside and immediately feel it space, light, and calm. From the moment you enter, this property welcomes you with a bright and elegant entrance hall, flowing effortlessly into the living areas setting the tone for a home that is bot

Income Breakdown

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Nightly Rate (ADR)
$471/night
50% ($217)Brixfox estimate($471/night)200% ($866)
Occupancy
48%
10%Brixfox estimate(48%)100%

Short-Term Rental

Yearly income
$41,737
Airbnb data$471/night · 48% occupancy
Rental income
$471/night · 48% occ.
$83,098
Running costs (20%)
Utilities, cleaning, maintenance
-$16,620
Income tax (10%)
Indonesian rental income tax
-$23,267
Property tax
Annual property tax
-$1,474
Net income
5.0% ROI
$41,737

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$842,391
IMT (transfer tax, investment schedule)$50,543
Imposto de Selo (stamp duty)$6,739
Notary & registration$1,359
Legal / due diligence$12,636
Total acquisition costs$71,277
Renovation (~$217/m², from finish level)
Condition & finish level not reported — shown as a moderate contingency. Verify on site visit.		$60,870
($30,435–$91,304)
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$32,826
All-in investment$1,007,364

Gross yield (asking)

9.9%

True gross yield (all-in)

8.2%

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.

$5.0M$3.7M$2.5M$1.2M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $775K
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 17: 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
$943K
+22%
Rental Income
+$204K
Total Position
$1.1M
+48%
8.2%/yr
Year 10
Capital Value
$1.1M
+48%
Rental Income
+$440K
Total Position
$1.6M
+105%
7.4%/yr
Year 20
Capital Value
$1.7M
+119%
Rental Income
+$1.0M
Total Position
$2.7M
+252%
6.5%/yr
Year 30
Capital Value
$2.5M
+224%
Rental Income
+$1.8M
Total Position
$4.3M
+460%
5.9%/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
Average
5.0% annual return
Occupancy
Average
48% average occupancy
Nightly Rate
Strong
$433 per night
Visual Appeal
Average
Not yet analyzed
Size & Space
Weak
0 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $433 — 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

30% occ.
4.1%
$2,884/mo
40% occ.
5.5%
$3,887/mo
48% occ.
6.7%
$4,725/mo
current
58% occ.
8.2%
$5,727/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.