Detached house in Vale Judeu, São Sebastião
Grade B+villa

Detached house in Vale Judeu, São Sebastião

Loulé/Vilamoura · Golden Triangle ·

€1.1M

Asking Price (EUR)

6.8%

True Net Yield (Owner, all-in)

4.7%

True Net Yield (Managed, all-in)

10.5%

True Gross Yield

55%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 2.1 months ago and is currently at 18% maturity. Yields shown apply a conservative calibration (realised-ADR factor 0.75, occupancy cap 67%) that auto-fades to full fidelity by April 2027.

Projected Gross Revenue: €136,738/yr
Average Daily Rate: €681
Payback Period: 10.0 years
5-yr Capital Value: €1.4M
10-yr Capital Value: €1.8M
Brixfox Score: 73.1 / 100
Comparable Properties: 10
Data Confidence: 82%
Search Radius: 2 km

True Investment Cost

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

€1.3M

+19.3% over asking

Asking price€1.1M
IMT — Property transfer tax (investment schedule)€65,700
IS — Stamp duty (0.8%)€8,760
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€16,425
Total acquisition costs€92,135
Renovation (est. €200/m² × 409 m², from finish level)
Condition & finish level not reported — shown as a moderate contingency. Verify on site visit.		€81,800
(€40,900–€122,700)
Furnishing & STR launch (4bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€37,550
All-in investment (incl. renovation & furnishing)€1.3M

Gross yield (asking price)

12.5%

True gross yield (all-in)

10.5%

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: 4
Building: 409 m²

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Score Breakdown

ROI
23.15
Visual Appeal
10
Ownership Security
13
Location
8.4
Land & Space
6
Rental Demand
5.5
Payback Speed
4
STR Suitability
3

Description

Discover this authentic 4-bedroom Algarve villa, in excellent condition. With traditional regional architecture, this house blends classic charm with modern comfort, creating the perfect retreat for those seeking quality of life in a peaceful and welcoming setting. Spacious and functional, the villa features four bed

Location

📍 37.0770°N, 8.1170°W

· Loulé/Vilamoura, Algarve, Portugal

View on Idealista.pt
Idealista.pt
Loulé/Vilamoura / Golden Triangle

Detached house in Vale Judeu, São Sebastião

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

Grade B+ investment — short-term rental yields 8.5% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score73
GradeB+
Brixfox Intelligence
73B+Strong
Score Breakdown
ROI & Yield80%
Capital Growth77%
Risk Profile74%
Market Demand73%

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
+14.6%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+6.1%
+$336K in 5yr (+31%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
8.5%
$8,384/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
11.8 yr
Rental only

Property details

Description

Discover this authentic 4-bedroom Algarve villa, in excellent condition. With traditional regional architecture, this house blends classic charm with modern comfort, creating the perfect retreat for those seeking quality of life in a peaceful and welcoming setting. Spacious and functional, the villa features four bed

Income Breakdown

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Customize your projections
Nightly Rate (ADR)
$984/night
50% ($453)Brixfox estimate($984/night)200% ($1810)
Occupancy
55%
10%Brixfox estimate(55%)100%

Short-Term Rental

Yearly income
$100,612
Airbnb data$984/night · 55% occupancy
Rental income
$984/night · 55% occ.
$197,490
Running costs (20%)
Utilities, cleaning, maintenance
-$39,498
Income tax (10%)
Indonesian rental income tax
-$55,297
Property tax
Annual property tax
-$2,083
Net income
8.5% ROI
$100,612

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$1,190,217
IMT (transfer tax, investment schedule)$71,413
Imposto de Selo (stamp duty)$9,522
Notary & registration$1,359
Legal / due diligence$17,853
Total acquisition costs$100,147
Renovation (~$217/m², from finish level)
Condition & finish level not reported — shown as a moderate contingency. Verify on site visit.		$88,913
($44,457–$133,370)
Furnishing & STR launch
4bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$38,641
All-in investment$1,417,918

Gross yield (asking)

16.6%

True gross yield (all-in)

13.9%

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.

$9.1M$6.9M$4.6M$2.3M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $1.1M
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 11: rental income alone has repaid the full purchase price.
2x return
Year 8: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$1.3M
+22%
Rental Income
+$491K
Total Position
$1.8M
+67%
10.7%/yr
Year 10
Capital Value
$1.6M
+48%
Rental Income
+$1.1M
Total Position
$2.7M
+145%
9.4%/yr
Year 20
Capital Value
$2.4M
+119%
Rental Income
+$2.5M
Total Position
$4.9M
+346%
7.8%/yr
Year 30
Capital Value
$3.6M
+224%
Rental Income
+$4.4M
Total Position
$8.0M
+627%
6.8%/yr

Location

Loulé/Vilamoura

Golden Triangle, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Strong
8.5% annual return
Occupancy
Average
55% average occupancy
Nightly Rate
Strong
$905 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

High rental yield at 8.5% — outperforms most villas in this market
Premium nightly rate of $905 — 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 55% — 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

35% occ.
7.2%
$7,157/mo
45% occ.
9.3%
$9,252/mo
55% occ.
11.4%
$11,347/mo
current
65% occ.
13.6%
$13,441/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.