T3 flat in Centro da Cidade, Albufeira, Albufeira e Olhos de Água
T3 flat in Centro da Cidade, Albufeira, Albufeira e Olhos de Água — image 2T3 flat in Centro da Cidade, Albufeira, Albufeira e Olhos de Água — image 3T3 flat in Centro da Cidade, Albufeira, Albufeira e Olhos de Água — image 4T3 flat in Centro da Cidade, Albufeira, Albufeira e Olhos de Água — image 5
Grade B+apartmentmid-range

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

Albufeira · Central Algarve ·

€375,000

Asking Price (EUR)

8.2%

True Net Yield (Owner, all-in)

5.7%

True Net Yield (Managed, all-in)

12.6%

True Gross Yield

42%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.6 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: €55,368/yr
Average Daily Rate: €360
-10.0% vs area baselineImage quality 6/10 (-3%), Portuguese-traditional style (+5%), No pool (-12%)
Payback Period: 8.3 years
5-yr Capital Value: €492,744
10-yr Capital Value: €599,499
Brixfox Score: 74.7 / 100
Comparable Properties: 70
Data Confidence: 93%
Search Radius: 2 km

True Investment Cost

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

€439,725

+17.3% over asking

Asking price€375,000
IMT — Property transfer tax (investment schedule)€17,830
IS — Stamp duty (0.8%)€3,000
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€5,625
Total acquisition costs€27,705
Renovation (est. €55/m² × 124 m²)
Light touch-ups — paint, fixtures, deep clean.		€6,820
(€3,720–€9,920)
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)€439,725

Gross yield (asking price)

14.8%

True gross yield (all-in)

12.6%

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: 124 m²
Style: portuguese-traditional
Condition: good
Year Built: 1988
Energy Certificate: D

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

outdoor-bbq-arealandscaped-garden-area

Score Breakdown

ROI
25
Visual Appeal
10.8
Ownership Security
13
Location
10.2
Land & Space
4.48
Rental Demand
4.21
Payback Speed
4
STR Suitability
3

Description

3-bedroom apartment with patio and private parking space in Albufeira. Located in a very central area of the city, close to the Old Town and a 5-minute walk from Inatel Beach. Facing east, it comprises: an open-plan equipped kitchen, living and dining room with air conditioning, 2 en-suite bedrooms with showers and b

Location

📍 37.0911°N, 8.2439°W

· Albufeira, Algarve, Portugal

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Albufeira / Central Algarve

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

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

Grade B+ investment — short-term rental yields 10.2% net return annually.

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The Investment

Brixfox Score75
GradeB+
Brixfox Intelligence
75B+Strong
Score Breakdown
ROI & Yield83%
Capital Growth79%
Risk Profile76%
Market Demand75%

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
+15.1%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+4.9%
+$92K in 5yr (+25%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
10.2%
$3,460/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
9.8 yr
Rental only

Property details

Year built: 1988
Energy: D
Condition: good

Description

3-bedroom apartment with patio and private parking space in Albufeira. Located in a very central area of the city, close to the Old Town and a 5-minute walk from Inatel Beach. Facing east, it comprises: an open-plan equipped kitchen, living and dining room with air conditioning, 2 en-suite bedrooms with showers and b

Income Breakdown

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Nightly Rate (ADR)
$528/night
50% ($243)Brixfox estimate($528/night)200% ($972)
Occupancy
42%
10%Brixfox estimate(42%)100%

Short-Term Rental

Yearly income
$41,519
Airbnb data$528/night · 42% occupancy
Rental income
$528/night · 42% occ.
$81,216
Running costs (20%)
Utilities, cleaning, maintenance
-$16,243
Income tax (10%)
Indonesian rental income tax
-$22,741
Property tax
Annual property tax
-$713
Net income
10.2% ROI
$41,519

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$407,609
IMT (transfer tax, investment schedule)$19,380
Imposto de Selo (stamp duty)$3,261
Notary & registration$1,359
Legal / due diligence$6,114
Total acquisition costs$30,114
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$7,413
($4,043–$10,783)
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$32,826
All-in investment$477,962

Gross yield (asking)

19.9%

True gross yield (all-in)

17.0%

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.

$3.5M$2.6M$1.7M$872K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $375K
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
$456K
+22%
Rental Income
+$203K
Total Position
$659K
+76%
11.9%/yr
Year 10
Capital Value
$555K
+48%
Rental Income
+$438K
Total Position
$993K
+165%
10.2%/yr
Year 20
Capital Value
$822K
+119%
Rental Income
+$1.0M
Total Position
$1.8M
+393%
8.3%/yr
Year 30
Capital Value
$1.2M
+224%
Rental Income
+$1.8M
Total Position
$3.0M
+709%
7.2%/yr

Location

Albufeira

Central Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Strong
10.2% annual return
Occupancy
Weak
42% average occupancy
Nightly Rate
Strong
$486 per night
Visual Appeal
Average
5/10 instagrammability
Size & Space
Weak
0 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

High rental yield at 10.2% — outperforms most villas in this market
Premium nightly rate of $486 — 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 42% — 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.
9.8%
$3,316/mo
40% occ.
13.1%
$4,441/mo
42% occ.
13.8%
$4,678/mo
current
52% occ.
17.1%
$5,803/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.