T3 flat in Rua do Oceano, Centro da Cidade, Albufeira, Albufeira e Olhos de Água
T3 flat in Rua do Oceano, Centro da Cidade, Albufeira, Albufeira e Olhos de Água — image 2T3 flat in Rua do Oceano, Centro da Cidade, Albufeira, Albufeira e Olhos de Água — image 3T3 flat in Rua do Oceano, Centro da Cidade, Albufeira, Albufeira e Olhos de Água — image 4T3 flat in Rua do Oceano, Centro da Cidade, Albufeira, Albufeira e Olhos de Água — image 5
Grade Aapartmentmid-range

T3 flat in Rua do Oceano, Centro da Cidade, Albufeira, Albufeira e Olhos de Água

Albufeira · Central Algarve ·

€299,000

Asking Price (EUR)

12.6%

True Net Yield (Owner, all-in)

8.8%

True Net Yield (Managed, all-in)

19.5%

True Gross Yield

50%

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: €67,976/yr
Average Daily Rate: €369
Payback Period: 5.4 years
5-yr Capital Value: €392,882
10-yr Capital Value: €478,000
Brixfox Score: 76.1 / 100
Comparable Properties: 58
Data Confidence: 92%
Search Radius: 2 km

True Investment Cost

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

€349,254

+16.8% over asking

Asking price€299,000
IMT — Property transfer tax (investment schedule)€11,927
IS — Stamp duty (0.8%)€2,392
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€4,485
Total acquisition costs€20,054
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)€349,254

Gross yield (asking price)

22.7%

True gross yield (all-in)

19.5%

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: 1
Building: 83 m²
Style: contemporary
Condition: excellent
Energy Certificate: D

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

open-plan living and kitchen arealight wood-effect flooring throughout

Score Breakdown

ROI
25
Visual Appeal
11.2
Ownership Security
13
Location
10.2
Land & Space
3.66
Rental Demand
5.05
Payback Speed
5
STR Suitability
3

Description

Discover this fantastic 3 bedroom flat, with 75 sq. m of floor space, located in the city centre of Albufeira, just 400 meters from the beach! The property has a practical and functional distribution with: - Entrance hall - Corridor - 3 bedrooms (one of them with balcony) with wardrobes - Fully equipped open space

Location

📍 37.0895°N, 8.2429°W

· Albufeira, Algarve, Portugal

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Albufeira / Central Algarve

T3 flat in Rua do Oceano, Centro da Cidade, Albufeira, Albufeira e Olhos de Água

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

Grade A investment — short-term rental yields 15.8% net return annually.

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The Investment

Brixfox Score76
GradeA
Brixfox Intelligence
76AExcellent
Score Breakdown
ROI & Yield84%
Capital Growth80%
Risk Profile77%
Market Demand76%

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
+20.7%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+4.9%
+$74K in 5yr (+25%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
15.8%
$4,270/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
5 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
6.3 yr
Rental only

Property details

Energy: D
Condition: excellent

Description

Discover this fantastic 3 bedroom flat, with 75 sq. m of floor space, located in the city centre of Albufeira, just 400 meters from the beach! The property has a practical and functional distribution with: - Entrance hall - Corridor - 3 bedrooms (one of them with balcony) with wardrobes - Fully equipped open space

Income Breakdown

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Nightly Rate (ADR)
$541/night
50% ($249)Brixfox estimate($541/night)200% ($995)
Occupancy
50%
10%Brixfox estimate(50%)100%

Short-Term Rental

Yearly income
$51,242
Airbnb data$541/night · 50% occupancy
Rental income
$541/night · 50% occ.
$99,637
Running costs (20%)
Utilities, cleaning, maintenance
-$19,927
Income tax (10%)
Indonesian rental income tax
-$27,898
Property tax
Annual property tax
-$569
Net income
15.8% ROI
$51,242

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$325,000
IMT (transfer tax, investment schedule)$12,964
Imposto de Selo (stamp duty)$2,600
Notary & registration$1,359
Legal / due diligence$4,875
Total acquisition costs$21,798
RenovationMove-in ready
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$32,826
All-in investment$379,624

Gross yield (asking)

30.7%

True gross yield (all-in)

26.2%

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 Albufeira.

$3.7M$2.8M$1.8M$924K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $299K
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 6: rental income alone has repaid the full purchase price.
2x return
Year 5: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$364K
+22%
Rental Income
+$250K
Total Position
$614K
+105%
15.5%/yr
Year 10
Capital Value
$443K
+48%
Rental Income
+$540K
Total Position
$983K
+229%
12.6%/yr
Year 20
Capital Value
$655K
+119%
Rental Income
+$1.3M
Total Position
$1.9M
+543%
9.7%/yr
Year 30
Capital Value
$970K
+224%
Rental Income
+$2.2M
Total Position
$3.2M
+974%
8.2%/yr

Location

Albufeira

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
Strong
15.8% annual return
Occupancy
Average
50% average occupancy
Nightly Rate
Strong
$498 per night
Visual Appeal
Good
6/10 instagrammability
Size & Space
Weak
0 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

High rental yield at 15.8% — outperforms most villas in this market
Premium nightly rate of $498 — 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 50% — 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.
12.8%
$3,462/mo
40% occ.
17.0%
$4,613/mo
50% occ.
21.3%
$5,765/mo
current
60% occ.
25.5%
$6,916/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.