T3 flat in Rua dos Oceanos, 2, Victoria - Monte Laguna, Vilamoura, Quarteira
T3 flat in Rua dos Oceanos, 2, Victoria - Monte Laguna, Vilamoura, Quarteira — image 2T3 flat in Rua dos Oceanos, 2, Victoria - Monte Laguna, Vilamoura, Quarteira — image 3T3 flat in Rua dos Oceanos, 2, Victoria - Monte Laguna, Vilamoura, Quarteira — image 4T3 flat in Rua dos Oceanos, 2, Victoria - Monte Laguna, Vilamoura, Quarteira — image 5
Grade B+apartmentmid-range

T3 flat in Rua dos Oceanos, 2, Victoria - Monte Laguna, Vilamoura, Quarteira

Loulé/Vilamoura · Golden Triangle ·

€690,000

Asking Price (EUR)

5.7%

True Net Yield (Owner, all-in)

3.9%

True Net Yield (Managed, all-in)

8.7%

True Gross Yield

53%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.4 months ago and is currently at 11% 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: €67,960/yr
Average Daily Rate: €349
+15.0% vs area baselineImage quality 8/10 (+3%), Modern/contemporary style (+12%), Has pool (0%)
Payback Period: 12.4 years
5-yr Capital Value: €906,650
10-yr Capital Value: €1.1M
Brixfox Score: 68.9 / 100
Comparable Properties: 13
Data Confidence: 83%
Search Radius: 2 km

True Investment Cost

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

€781,220

+13.2% over asking

Asking price€690,000
IMT — Property transfer tax (investment schedule)€41,400
IS — Stamp duty (0.8%)€5,520
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€10,350
Total acquisition costs€58,520
Renovation€0 — move-in ready
Furnishing & STR launch (3bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€32,700
All-in investment (incl. renovation & furnishing)€781,220

Gross yield (asking price)

9.8%

True gross yield (all-in)

8.7%

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: 119 m²
Style: contemporary
Condition: excellent
Year Built: 2009
Energy Certificate: B
Private Pool

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

large communal poolmodern apartment architecturepalm trees

Score Breakdown

ROI
20.2
Visual Appeal
11.6
Ownership Security
13
Location
8.4
Land & Space
4.38
Rental Demand
5.33
Payback Speed
3
STR Suitability
3

Description

If it's already rare to find an available apartment in the prestigious Monte Laguna complex, it's even rarer to discover a three-bedroom ground-floor apartment with direct access to a magnificent garden, a large swimming pool, and panoramic views over the golf course. In Vilamoura, there are unique opportunities — and

Location

📍 37.1031°N, 8.1329°W

· Loulé/Vilamoura, Algarve, Portugal

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Idealista.pt
Loulé/Vilamoura / Golden Triangle

T3 flat in Rua dos Oceanos, 2, Victoria - Monte Laguna, Vilamoura, Quarteira

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

Grade B+ investment — short-term rental yields 6.8% 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
+12.9%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+6.1%
+$212K in 5yr (+31%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
6.8%
$4,249/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
14.7 yr
Rental only

Property details

Year built: 2009
Energy: B
Condition: excellent

Description

If it's already rare to find an available apartment in the prestigious Monte Laguna complex, it's even rarer to discover a three-bedroom ground-floor apartment with direct access to a magnificent garden, a large swimming pool, and panoramic views over the golf course. In Vilamoura, there are unique opportunities — and

Income Breakdown

Adjust Forecast

Customize your projections
Nightly Rate (ADR)
$517/night
50% ($238)Brixfox estimate($517/night)200% ($951)
Occupancy
53%
10%Brixfox estimate(53%)100%

Short-Term Rental

Yearly income
$50,986
Airbnb data$517/night · 53% occupancy
Rental income
$517/night · 53% occ.
$100,574
Running costs (20%)
Utilities, cleaning, maintenance
-$20,115
Income tax (10%)
Indonesian rental income tax
-$28,161
Property tax
Annual property tax
-$1,312
Net income
6.8% ROI
$50,986

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$750,000
IMT (transfer tax, investment schedule)$45,000
Imposto de Selo (stamp duty)$6,000
Notary & registration$1,359
Legal / due diligence$11,250
Total acquisition costs$63,609
RenovationMove-in ready
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$35,543
All-in investment$849,152

Gross yield (asking)

13.4%

True gross yield (all-in)

11.8%

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 Loulé/Vilamoura.

$5.1M$3.9M$2.6M$1.3M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $690K
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
$839K
+22%
Rental Income
+$249K
Total Position
$1.1M
+58%
9.5%/yr
Year 10
Capital Value
$1.0M
+48%
Rental Income
+$538K
Total Position
$1.6M
+126%
8.5%/yr
Year 20
Capital Value
$1.5M
+119%
Rental Income
+$1.3M
Total Position
$2.8M
+302%
7.2%/yr
Year 30
Capital Value
$2.2M
+224%
Rental Income
+$2.2M
Total Position
$4.5M
+548%
6.4%/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
6.8% annual return
Occupancy
Average
53% average occupancy
Nightly Rate
Strong
$475 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 $475 — 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 53% — 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

33% occ.
5.7%
$3,557/mo
43% occ.
7.5%
$4,657/mo
53% occ.
9.2%
$5,758/mo
current
63% occ.
11.0%
$6,858/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.