Semi-detached house in Querença - Tôr - Benafim, Loulé
Grade B+villabudget

Semi-detached house in Querença - Tôr - Benafim, Loulé

Loulé/Vilamoura · Golden Triangle ·

€350,000

Asking Price (EUR)

5.3%

True Net Yield (Owner, all-in)

3.7%

True Net Yield (Managed, all-in)

8.1%

True Gross Yield

48%

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: €52,117/yr
Average Daily Rate: €296
Payback Period: 8.4 years
5-yr Capital Value: €459,895
10-yr Capital Value: €559,532
Brixfox Score: 74.2 / 100
Comparable Properties: 38
Data Confidence: 88%
Search Radius: 2 km

True Investment Cost

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

€642,130

+83.5% over asking

Asking price€350,000
IMT — Property transfer tax (investment schedule)€15,830
IS — Stamp duty (0.8%)€2,800
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€5,250
Total acquisition costs€25,130
Renovation (est. €900/m² × 272 m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		€244,800
(€190,400–€299,200)
Furnishing & STR launch (3bd × €2500 base, budget tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€22,200
All-in investment (incl. renovation & furnishing)€642,130

Gross yield (asking price)

14.9%

True gross yield (all-in)

8.1%

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
Building: 272 m²
Style: portuguese-traditional
Condition: needs-renovation

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

balustrade balconycovered porch

Score Breakdown

ROI
25
Visual Appeal
10
Ownership Security
13
Location
8.4
Land & Space
6
Rental Demand
4.82
Payback Speed
4
STR Suitability
3

Description

T3 HOUSE WITH YARD | TOR VILLAGE | LOULE PROPERTY ELIGIBLE FOR BANK FINANCING House with 3 Bedrooms, in the village of Tor, lot area 590m2, construction area 272m2, Box Garage, outbuildings in the yard, asphalt access, close to all services and schools, garden with 318m2. Located in a quiet area, with privacy and goo

Location

📍 37.0770°N, 8.1170°W

· Loulé/Vilamoura, Algarve, Portugal

View on House Hunters - Real Estate, lda. →Also on Idealista.pt
Idealista.pt
Loulé/Vilamoura / Golden Triangle

Semi-detached house in Querença - Tôr - Benafim, Loulé

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

Grade B+ investment — short-term rental yields 10.1% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score74
GradeB+
Brixfox Intelligence
74B+Strong
Score Breakdown
ROI & Yield81%
Capital Growth78%
Risk Profile75%
Market Demand74%

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
+16.3%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+6.1%
+$107K in 5yr (+31%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
10.1%
$3,210/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
6 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
9.9 yr
Rental only

Property details

Condition: needs-renovation

Description

T3 HOUSE WITH YARD | TOR VILLAGE | LOULE PROPERTY ELIGIBLE FOR BANK FINANCING House with 3 Bedrooms, in the village of Tor, lot area 590m2, construction area 272m2, Box Garage, outbuildings in the yard, asphalt access, close to all services and schools, garden with 318m2. Located in a quiet area, with privacy and goo

Income Breakdown

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Nightly Rate (ADR)
$428/night
50% ($197)Brixfox estimate($428/night)200% ($788)
Occupancy
48%
10%Brixfox estimate(48%)100%

Short-Term Rental

Yearly income
$38,520
Airbnb data$428/night · 48% occupancy
Rental income
$428/night · 48% occ.
$75,358
Running costs (20%)
Utilities, cleaning, maintenance
-$15,072
Income tax (10%)
Indonesian rental income tax
-$21,100
Property tax
Annual property tax
-$666
Net income
10.1% ROI
$38,520

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$380,435
IMT (transfer tax, investment schedule)$17,207
Imposto de Selo (stamp duty)$3,043
Notary & registration$1,359
Legal / due diligence$5,707
Total acquisition costs$27,315
Renovation (~$978/m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		$266,087
($206,957–$325,217)
Furnishing & STR launch
3bd × $2,717 base + appliances, electronics, outdoor, licence, photography, linens.		$21,957
All-in investment$695,793

Gross yield (asking)

19.8%

True gross yield (all-in)

10.8%

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.

$3.2M$2.4M$1.6M$811K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $350K
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 9: rental income alone has repaid the full purchase price.
2x return
Year 7: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$426K
+22%
Rental Income
+$188K
Total Position
$614K
+75%
11.9%/yr
Year 10
Capital Value
$518K
+48%
Rental Income
+$406K
Total Position
$924K
+164%
10.2%/yr
Year 20
Capital Value
$767K
+119%
Rental Income
+$952K
Total Position
$1.7M
+391%
8.3%/yr
Year 30
Capital Value
$1.1M
+224%
Rental Income
+$1.7M
Total Position
$2.8M
+706%
7.2%/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
Strong
10.1% annual return
Occupancy
Average
48% average occupancy
Nightly Rate
Strong
$394 per night
Visual Appeal
Weak
3/10 instagrammability
Size & Space
Weak
0 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

High rental yield at 10.1% — outperforms most villas in this market
Premium nightly rate of $394 — 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 48% — 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.
8.5%
$2,680/mo
40% occ.
11.3%
$3,592/mo
48% occ.
13.7%
$4,340/mo
current
58% occ.
16.6%
$5,252/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.