T4 flat in Centro de Guia, Guia
T4 flat in Centro de Guia, Guia — image 2T4 flat in Centro de Guia, Guia — image 3T4 flat in Centro de Guia, Guia — image 4T4 flat in Centro de Guia, Guia — image 5
Grade B+apartmentmid-range

T4 flat in Centro de Guia, Guia

Albufeira · Central Algarve ·

€545,000

Asking Price (EUR)

8.0%

True Net Yield (Owner, all-in)

5.5%

True Net Yield (Managed, all-in)

12.2%

True Gross Yield

46%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.2 months ago and is currently at 10% maturity. Yields shown apply a conservative calibration (realised-ADR factor 0.73, occupancy cap 66%) that auto-fades to full fidelity by April 2027.

Projected Gross Revenue: €77,594/yr
Average Daily Rate: €460
+3.0% vs area baselinePortuguese-traditional style (+5%), No pool (-12%), Has view (+10%)
Payback Period: 8.5 years
5-yr Capital Value: €716,122
10-yr Capital Value: €871,272
Brixfox Score: 74.1 / 100
Comparable Properties: 5
Data Confidence: 69%
Search Radius: 4 km

True Investment Cost

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

€633,795

+16.3% over asking

Asking price€545,000
IMT — Property transfer tax (investment schedule)€31,430
IS — Stamp duty (0.8%)€4,360
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€8,175
Total acquisition costs€45,215
Renovation (est. €55/m² × 146 m²)
Light touch-ups — paint, fixtures, deep clean.		€8,030
(€4,380–€11,680)
Furnishing & STR launch (4bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€35,550
All-in investment (incl. renovation & furnishing)€633,795

Gross yield (asking price)

14.2%

True gross yield (all-in)

12.2%

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: 146 m²
Style: portuguese-traditional
Condition: good
Year Built: 2008
Energy Certificate: C
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

large covered balconypanoramic view

Score Breakdown

ROI
24.91
Visual Appeal
11.2
Ownership Security
13
Location
8.4
Land & Space
4.92
Rental Demand
4.63
Payback Speed
4
STR Suitability
3

Description

Discover this high-quality duplex apartment in the Algarve, where comfort and location come together to create a truly privileged lifestyle. Located in one of the most desirable residential communities in the region, this property is distinguished by its impeccable presentation and carefully thought-out design, being p

Location

📍 37.1264°N, 8.2990°W

· Albufeira, Algarve, Portugal

View on Cerro Novo →Also on Idealista.pt
Idealista.pt
Albufeira / Central Algarve

T4 flat in Centro de Guia, Guia

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

Grade B+ investment — short-term rental yields 10.0% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score74
GradeB+
Brixfox Intelligence
74B+Strong
Score Breakdown
ROI & Yield81%
Capital Growth78%
Risk Profile75%
Market Demand74%

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.

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Average annual ROI over 5 years, combining both rental income and property value growth.
Total
+14.9%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+4.9%
+$134K in 5yr (+25%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
10.0%
$4,923/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
7 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
10.0 yr
Rental only

Property details

Year built: 2008
Energy: C
Condition: good

Description

Discover this high-quality duplex apartment in the Algarve, where comfort and location come together to create a truly privileged lifestyle. Located in one of the most desirable residential communities in the region, this property is distinguished by its impeccable presentation and carefully thought-out design, being p

Income Breakdown

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Nightly Rate (ADR)
$685/night
50% ($315)Brixfox estimate($685/night)200% ($1260)
Occupancy
46%
10%Brixfox estimate(46%)100%

Short-Term Rental

Yearly income
$59,079
Airbnb data$685/night · 46% occupancy
Rental income
$685/night · 46% occ.
$115,608
Running costs (20%)
Utilities, cleaning, maintenance
-$23,122
Income tax (10%)
Indonesian rental income tax
-$32,370
Property tax
Annual property tax
-$1,037
Net income
10.0% ROI
$59,079

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$592,391
IMT (transfer tax, investment schedule)$34,163
Imposto de Selo (stamp duty)$4,739
Notary & registration$1,359
Legal / due diligence$8,886
Total acquisition costs$49,147
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$8,728
($4,761–$12,696)
Furnishing & STR launch
4bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$38,641
All-in investment$688,908

Gross yield (asking)

19.5%

True gross yield (all-in)

16.8%

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.

$5.0M$3.8M$2.5M$1.3M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $545K
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 9: rental income alone has repaid the full purchase price.
2x return
Year 7: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$663K
+22%
Rental Income
+$289K
Total Position
$952K
+75%
11.8%/yr
Year 10
Capital Value
$807K
+48%
Rental Income
+$623K
Total Position
$1.4M
+162%
10.1%/yr
Year 20
Capital Value
$1.2M
+119%
Rental Income
+$1.5M
Total Position
$2.7M
+387%
8.2%/yr
Year 30
Capital Value
$1.8M
+224%
Rental Income
+$2.6M
Total Position
$4.4M
+699%
7.2%/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
10.0% annual return
Occupancy
Average
46% average occupancy
Nightly Rate
Strong
$630 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 10.0% — outperforms most villas in this market
Premium nightly rate of $630 — 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 46% — 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.
8.7%
$4,288/mo
40% occ.
11.6%
$5,746/mo
46% occ.
13.5%
$6,657/mo
current
56% occ.
16.4%
$8,115/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.