Detached house in Santo Estêvão
Detached house in Santo Estêvão — image 2Detached house in Santo Estêvão — image 3Detached house in Santo Estêvão — image 4Detached house in Santo Estêvão — image 5
Grade Bvilla

Detached house in Santo Estêvão

Tavira · Eastern Algarve ·

€745,000

Asking Price (EUR)

3.7%

True Net Yield (Owner, all-in)

2.6%

True Net Yield (Managed, all-in)

5.7%

True Gross Yield

44%

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: €50,528/yr
Average Daily Rate: €311
Payback Period: 18.4 years
5-yr Capital Value: €978,919
10-yr Capital Value: €1.2M
Brixfox Score: 64.4 / 100
Comparable Properties: 8
Data Confidence: 52%
Search Radius: 6 km

True Investment Cost

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

€879,885

+18.1% over asking

Asking price€745,000
IMT — Property transfer tax (investment schedule)€44,700
IS — Stamp duty (0.8%)€5,960
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€11,175
Total acquisition costs€63,085
Renovation (est. €200/m² × 198 m², from finish level)
Condition & finish level not reported — shown as a moderate contingency. Verify on site visit.		€39,600
(€19,800–€59,400)
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)€879,885

Gross yield (asking price)

6.8%

True gross yield (all-in)

5.7%

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: 2
Building: 198 m²
Year Built: 2007

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Score Breakdown

ROI
16.13
Visual Appeal
10
Ownership Security
13
Location
9.84
Land & Space
5.96
Rental Demand
4.45
Payback Speed
2
STR Suitability
3

Description

ref: 831734.

Location

📍 37.1515°N, 7.6968°W

· Tavira, Algarve, Portugal

View on Idealista.pt
Idealista.pt
Tavira / Eastern Algarve

Detached house in Santo Estêvão

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

Grade B investment — short-term rental yields 4.5% net return annually.

Go to Source via Idealista.pt

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
+8.8%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+4.3%
+$161K in 5yr (+22%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
4.5%
$3,044/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
11 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
22.2 yr
Rental only

Property details

Year built: 2007

Income Breakdown

Adjust Forecast

Customize your projections
Nightly Rate (ADR)
$450/night
50% ($207)Brixfox estimate($450/night)200% ($827)
Occupancy
44%
10%Brixfox estimate(44%)100%

Short-Term Rental

Yearly income
$36,532
Airbnb data$450/night · 44% occupancy
Rental income
$450/night · 44% occ.
$72,978
Running costs (20%)
Utilities, cleaning, maintenance
-$14,596
Income tax (10%)
Indonesian rental income tax
-$20,434
Property tax
Annual property tax
-$1,417
Net income
4.5% ROI
$36,532

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$809,783
IMT (transfer tax, investment schedule)$48,587
Imposto de Selo (stamp duty)$6,478
Notary & registration$1,359
Legal / due diligence$12,147
Total acquisition costs$68,571
Renovation (~$217/m², from finish level)
Condition & finish level not reported — shown as a moderate contingency. Verify on site visit.		$43,043
($21,522–$64,565)
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$32,826
All-in investment$954,223

Gross yield (asking)

9.0%

True gross yield (all-in)

7.6%

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 Tavira.

$4.6M$3.5M$2.3M$1.2M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $745K
Capital appreciation
Property value growing at +4%/yr based on Tavira 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 18: rental income alone has repaid the full purchase price.
2x return
Year 11: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$906K
+22%
Rental Income
+$178K
Total Position
$1.1M
+46%
7.8%/yr
Year 10
Capital Value
$1.1M
+48%
Rental Income
+$385K
Total Position
$1.5M
+100%
7.2%/yr
Year 20
Capital Value
$1.6M
+119%
Rental Income
+$903K
Total Position
$2.5M
+240%
6.3%/yr
Year 30
Capital Value
$2.4M
+224%
Rental Income
+$1.6M
Total Position
$4.0M
+439%
5.8%/yr

Location

Tavira

Eastern Algarve, Approximate area

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Airbnb Comp Analysis

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Average
4.5% annual return
Occupancy
Weak
44% average occupancy
Nightly Rate
Strong
$414 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 $414 — 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 4.5% 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%
$2,754/mo
40% occ.
5.5%
$3,712/mo
44% occ.
6.1%
$4,139/mo
current
54% occ.
7.6%
$5,096/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.