T2 flat in Centro - Quarteira Velha, Quarteira, Quarteira
T2 flat in Centro - Quarteira Velha, Quarteira, Quarteira — image 2T2 flat in Centro - Quarteira Velha, Quarteira, Quarteira — image 3T2 flat in Centro - Quarteira Velha, Quarteira, Quarteira — image 4T2 flat in Centro - Quarteira Velha, Quarteira, Quarteira — image 5
Grade B+apartmentmid-range

T2 flat in Centro - Quarteira Velha, Quarteira, Quarteira

Loulé/Vilamoura · Golden Triangle ·

€345,000

Asking Price (EUR)

5.5%

True Net Yield (Owner, all-in)

3.8%

True Net Yield (Managed, all-in)

8.4%

True Gross Yield

40%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 2.1 months ago and is currently at 17% 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: €33,190/yr
Average Daily Rate: €227
+10.0% vs area baselineModern/contemporary style (+12%), No pool (-12%), Has view (+10%)
Payback Period: 13.0 years
5-yr Capital Value: €453,325
10-yr Capital Value: €551,539
Brixfox Score: 65.8 / 100
Comparable Properties: 95
Data Confidence: 96%
Search Radius: 2 km

True Investment Cost

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

€394,465

+14.3% over asking

Asking price€345,000
IMT — Property transfer tax (investment schedule)€15,430
IS — Stamp duty (0.8%)€2,760
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€5,175
Total acquisition costs€24,615
Renovation€0 — move-in ready
Furnishing & STR launch (2bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€24,850
All-in investment (incl. renovation & furnishing)€394,465

Gross yield (asking price)

9.6%

True gross yield (all-in)

8.4%

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: 2
Bathrooms: 3
Building: 101 m²
Style: contemporary
Condition: excellent
Year Built: 1987
Energy Certificate: D
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

balconyopen-plan living

Score Breakdown

ROI
19.63
Visual Appeal
10.8
Ownership Security
13
Location
8.4
Land & Space
4.02
Rental Demand
4
Payback Speed
3
STR Suitability
3

Description

Elegant and spacious 2-bedroom apartment, recently refurbished, located just a 15-minute walk from Quarteira beach, in the heart of the Algarve. This property represents a haven of comfort and modernity, ideal for both permanent residence and vacation, providing a serene and welcoming atmosphere, without sacrificing p

Location

📍 37.0725°N, 8.1022°W

· Loulé/Vilamoura, Algarve, Portugal

View on LUXIMOS Christie’s International Real Estate →Also on Idealista.pt
Idealista.pt
Loulé/Vilamoura / Golden Triangle

T2 flat in Centro - Quarteira Velha, Quarteira, Quarteira

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

Grade B+ investment — short-term rental yields 6.5% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score66
GradeB+
Brixfox Intelligence
66B+Strong
Score Breakdown
ROI & Yield73%
Capital Growth69%
Risk Profile68%
Market Demand66%

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
+6.1%
+$106K in 5yr (+31%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
6.5%
$2,025/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
15.4 yr
Rental only

Property details

Year built: 1987
Energy: D
Condition: excellent

Description

Elegant and spacious 2-bedroom apartment, recently refurbished, located just a 15-minute walk from Quarteira beach, in the heart of the Algarve. This property represents a haven of comfort and modernity, ideal for both permanent residence and vacation, providing a serene and welcoming atmosphere, without sacrificing p

Income Breakdown

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Nightly Rate (ADR)
$329/night
50% ($151)Brixfox estimate($329/night)200% ($605)
Occupancy
40%
10%Brixfox estimate(40%)100%

Short-Term Rental

Yearly income
$24,297
Airbnb data$329/night · 40% occupancy
Rental income
$329/night · 40% occ.
$47,987
Running costs (20%)
Utilities, cleaning, maintenance
-$9,597
Income tax (10%)
Indonesian rental income tax
-$13,436
Property tax
Annual property tax
-$656
Net income
6.5% ROI
$24,297

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$375,000
IMT (transfer tax, investment schedule)$16,772
Imposto de Selo (stamp duty)$3,000
Notary & registration$1,359
Legal / due diligence$5,625
Total acquisition costs$26,755
RenovationMove-in ready
Furnishing & STR launch
2bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$27,011
All-in investment$428,766

Gross yield (asking)

12.8%

True gross yield (all-in)

11.2%

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.

$2.5M$1.9M$1.3M$627K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $345K
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 13: rental income alone has repaid the full purchase price.
2x return
Year 9: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$420K
+22%
Rental Income
+$119K
Total Position
$538K
+56%
9.3%/yr
Year 10
Capital Value
$511K
+48%
Rental Income
+$256K
Total Position
$767K
+122%
8.3%/yr
Year 20
Capital Value
$756K
+119%
Rental Income
+$601K
Total Position
$1.4M
+293%
7.1%/yr
Year 30
Capital Value
$1.1M
+224%
Rental Income
+$1.1M
Total Position
$2.2M
+533%
6.3%/yr

Location

Loulé/Vilamoura

Golden Triangle, Approximate area

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Airbnb Comp Analysis

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Good
6.5% annual return
Occupancy
Weak
40% average occupancy
Nightly Rate
Strong
$302 per night
Visual Appeal
Good
7/10 instagrammability
Size & Space
Weak
0 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $302 — 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 40% — 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.
6.5%
$2,045/mo
40% occ.
8.8%
$2,745/mo
current
40% occ.
8.8%
$2,745/mo
current
50% occ.
11.0%
$3,445/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.