T1 flat in Montechoro, Albufeira, Albufeira e Olhos de Água
T1 flat in Montechoro, Albufeira, Albufeira e Olhos de Água — image 2T1 flat in Montechoro, Albufeira, Albufeira e Olhos de Água — image 3T1 flat in Montechoro, Albufeira, Albufeira e Olhos de Água — image 4T1 flat in Montechoro, Albufeira, Albufeira e Olhos de Água — image 5
Grade B+apartmentmid-range

T1 flat in Montechoro, Albufeira, Albufeira e Olhos de Água

Albufeira · Central Algarve ·

€195,000

Asking Price (EUR)

6.1%

True Net Yield (Owner, all-in)

4.2%

True Net Yield (Managed, all-in)

9.3%

True Gross Yield

42%

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: €21,595/yr
Average Daily Rate: €140
+2.0% vs area baselineImage quality 6/10 (-3%), Portuguese-traditional style (+5%), Has pool (0%)
Payback Period: 10.9 years
5-yr Capital Value: €256,227
10-yr Capital Value: €311,739
Brixfox Score: 68.5 / 100
Comparable Properties: 88
Data Confidence: 94%
Search Radius: 2 km

True Investment Cost

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

€231,232

+18.6% over asking

Asking price€195,000
IMT — Property transfer tax (investment schedule)€4,647
IS — Stamp duty (0.8%)€1,560
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€2,925
Total acquisition costs€10,382
Renovation (est. €55/m² × 70 m²)
Light touch-ups — paint, fixtures, deep clean.		€3,850
(€2,100–€5,600)
Furnishing & STR launch (1bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€22,000
All-in investment (incl. renovation & furnishing)€231,232

Gross yield (asking price)

11.1%

True gross yield (all-in)

9.3%

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: 1
Bathrooms: 1
Building: 70 m²
Style: portuguese-traditional
Condition: good
Year Built: 1989
Energy Certificate: C
Private Pool

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

private pool accesstraditional white balustrade

Score Breakdown

ROI
21.84
Visual Appeal
8.8
Ownership Security
13
Location
10.2
Land & Space
3.4
Rental Demand
4.22
Payback Speed
4
STR Suitability
3

Description

One-bedroom apartment located in Montechoro, Albufeira, set in a five-storey building, constructed and licensed for residential use, but currently registered as services, with good east-facing sun exposure. With a gross area of 62 m² and a usable area of 55.59 m², the property offers a functional layout and is in used

Location

📍 37.1018°N, 8.2225°W

· Albufeira, Algarve, Portugal

View on IAD Portugal →Also on Idealista.pt
Idealista.pt
Albufeira / Central Algarve

T1 flat in Montechoro, Albufeira, Albufeira e Olhos de Água

Inventory
1 Beds
Bathrooms
1 Baths
Built Area
70 m²
Land Plot
0 m²
Tenure
Freehold
Yield Curve Status

Grade B+ investment — short-term rental yields 7.7% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score69
GradeB+
Brixfox Intelligence
69B+Strong
Score Breakdown
ROI & Yield76%
Capital Growth72%
Risk Profile71%
Market Demand69%

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
+12.6%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+4.9%
+$48K in 5yr (+25%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
7.7%
$1,364/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
13.0 yr
Rental only

Property details

Year built: 1989
Energy: C
Condition: good

Description

One-bedroom apartment located in Montechoro, Albufeira, set in a five-storey building, constructed and licensed for residential use, but currently registered as services, with good east-facing sun exposure. With a gross area of 62 m² and a usable area of 55.59 m², the property offers a functional layout and is in used

Income Breakdown

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Nightly Rate (ADR)
$209/night
50% ($96)Brixfox estimate($209/night)200% ($385)
Occupancy
42%
10%Brixfox estimate(42%)100%

Short-Term Rental

Yearly income
$16,364
Airbnb data$209/night · 42% occupancy
Rental income
$209/night · 42% occ.
$32,183
Running costs (20%)
Utilities, cleaning, maintenance
-$6,437
Income tax (10%)
Indonesian rental income tax
-$9,011
Property tax
Annual property tax
-$371
Net income
7.7% ROI
$16,364

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$211,957
IMT (transfer tax, investment schedule)$5,051
Imposto de Selo (stamp duty)$1,696
Notary & registration$1,359
Legal / due diligence$3,179
Total acquisition costs$11,285
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$4,185
($2,283–$6,087)
Furnishing & STR launch
1bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$23,913
All-in investment$251,339

Gross yield (asking)

15.2%

True gross yield (all-in)

12.8%

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.

$1.6M$1.2M$776K$388K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $195K
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
$237K
+22%
Rental Income
+$80K
Total Position
$317K
+63%
10.2%/yr
Year 10
Capital Value
$289K
+48%
Rental Income
+$173K
Total Position
$461K
+137%
9.0%/yr
Year 20
Capital Value
$427K
+119%
Rental Income
+$405K
Total Position
$832K
+327%
7.5%/yr
Year 30
Capital Value
$632K
+224%
Rental Income
+$716K
Total Position
$1.3M
+592%
6.7%/yr

Location

Albufeira

Central Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Good
7.7% annual return
Occupancy
Weak
42% average occupancy
Nightly Rate
Good
$192 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

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.
7.4%
$1,305/mo
40% occ.
9.9%
$1,750/mo
42% occ.
10.5%
$1,847/mo
current
52% occ.
13.0%
$2,292/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.