T3 flat in Rua de Dunfermline, Praia da Oura - Areias de S. João, Albufeira, Albufeira e Olhos de Água
T3 flat in Rua de Dunfermline, Praia da Oura - Areias de S. João, Albufeira, Albufeira e Olhos de Água — image 2T3 flat in Rua de Dunfermline, Praia da Oura - Areias de S. João, Albufeira, Albufeira e Olhos de Água — image 3T3 flat in Rua de Dunfermline, Praia da Oura - Areias de S. João, Albufeira, Albufeira e Olhos de Água — image 4T3 flat in Rua de Dunfermline, Praia da Oura - Areias de S. João, Albufeira, Albufeira e Olhos de Água — image 5
Grade Aapartmentmid-range

T3 flat in Rua de Dunfermline, Praia da Oura - Areias de S. João, Albufeira, Albufeira e Olhos de Água

Albufeira · Central Algarve ·

€590,000

Asking Price (EUR)

6.4%

True Net Yield (Owner, all-in)

4.5%

True Net Yield (Managed, all-in)

9.9%

True Gross Yield

43%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.9 months ago and is currently at 16% 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: €67,242/yr
Average Daily Rate: €426
+6.0% vs area baselineImage quality 8/10 (+3%), Portuguese-traditional style (+5%), No pool (-12%), Has view (+10%)
Payback Period: 10.9 years
5-yr Capital Value: €775,251
10-yr Capital Value: €943,212
Brixfox Score: 75.4 / 100
Comparable Properties: 63
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.

€678,850

+15.1% over asking

Asking price€590,000
IMT — Property transfer tax (investment schedule)€35,030
IS — Stamp duty (0.8%)€4,720
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€8,850
Total acquisition costs€49,850
Renovation (est. €55/m² × 160 m²)
Light touch-ups — paint, fixtures, deep clean.		€8,800
(€4,800–€12,800)
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)€678,850

Gross yield (asking price)

11.4%

True gross yield (all-in)

9.9%

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: 160 m²
Style: portuguese-traditional
Condition: good
Energy Certificate: A
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

cliffside architecturebeachfront accesstraditional white-washed buildings

Score Breakdown

ROI
21.91
Visual Appeal
13.8
Ownership Security
13
Location
10.2
Land & Space
5.2
Rental Demand
4.32
Payback Speed
4
STR Suitability
3

Description

New, modern luxury flat with 3 bedrooms, pool and garage, is situated 1500 meters from the beach in Albufeira. Comprising a large entrance hall, fully equipped kitchen, living room, 2 bathrooms and 3 bedrooms, one of which is en suite. The suite, living room and kitchen have large balconies. Thinking about thermal com

Location

📍 37.0949°N, 8.2319°W

· Albufeira, Algarve, Portugal

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Albufeira / Central Algarve

T3 flat in Rua de Dunfermline, Praia da Oura - Areias de S. João, Albufeira, Albufeira e Olhos de Água

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

Grade A investment — short-term rental yields 7.8% net return annually.

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The Investment

Brixfox Score75
GradeA
Brixfox Intelligence
75AExcellent
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.

Pro members get full score breakdown with AI recommendations
Average annual ROI over 5 years, combining both rental income and property value growth.
Total
+12.7%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+4.9%
+$145K in 5yr (+25%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
7.8%
$4,145/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
8 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
12.9 yr
Rental only

Property details

Energy: A
Condition: good

Description

New, modern luxury flat with 3 bedrooms, pool and garage, is situated 1500 meters from the beach in Albufeira. Comprising a large entrance hall, fully equipped kitchen, living room, 2 bathrooms and 3 bedrooms, one of which is en suite. The suite, living room and kitchen have large balconies. Thinking about thermal com

Income Breakdown

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Nightly Rate (ADR)
$620/night
50% ($285)Brixfox estimate($620/night)200% ($1140)
Occupancy
43%
10%Brixfox estimate(43%)100%

Short-Term Rental

Yearly income
$49,745
Airbnb data$620/night · 43% occupancy
Rental income
$620/night · 43% occ.
$97,822
Running costs (20%)
Utilities, cleaning, maintenance
-$19,564
Income tax (10%)
Indonesian rental income tax
-$27,390
Property tax
Annual property tax
-$1,122
Net income
7.8% ROI
$49,745

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$641,304
IMT (transfer tax, investment schedule)$38,076
Imposto de Selo (stamp duty)$5,130
Notary & registration$1,359
Legal / due diligence$9,620
Total acquisition costs$54,185
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$9,565
($5,217–$13,913)
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$32,826
All-in investment$737,880

Gross yield (asking)

15.3%

True gross yield (all-in)

13.3%

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.

$4.7M$3.5M$2.4M$1.2M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $590K
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 12: 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
$718K
+22%
Rental Income
+$243K
Total Position
$961K
+63%
10.2%/yr
Year 10
Capital Value
$873K
+48%
Rental Income
+$525K
Total Position
$1.4M
+137%
9.0%/yr
Year 20
Capital Value
$1.3M
+119%
Rental Income
+$1.2M
Total Position
$2.5M
+328%
7.5%/yr
Year 30
Capital Value
$1.9M
+224%
Rental Income
+$2.2M
Total Position
$4.1M
+593%
6.7%/yr

Location

Albufeira

Central Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Good
7.8% annual return
Occupancy
Weak
43% average occupancy
Nightly Rate
Strong
$570 per night
Visual Appeal
Strong
9/10 instagrammability
Size & Space
Weak
0 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $570 — positioned in the top tier
Stunning visuals with 9/10 instagrammability — commands premium nightly rates
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Occupancy at 43% — 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.
7.2%
$3,866/mo
40% occ.
9.7%
$5,185/mo
43% occ.
10.5%
$5,613/mo
current
53% occ.
13.0%
$6,933/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.