T3 flat in Centro - Quarteira Velha, Quarteira, Quarteira
T3 flat in Centro - Quarteira Velha, Quarteira, Quarteira — image 2T3 flat in Centro - Quarteira Velha, Quarteira, Quarteira — image 3T3 flat in Centro - Quarteira Velha, Quarteira, Quarteira — image 4T3 flat in Centro - Quarteira Velha, Quarteira, Quarteira — image 5
Grade Bapartmentbudget

T3 flat in Centro - Quarteira Velha, Quarteira, Quarteira

Loulé/Vilamoura · Golden Triangle ·

€330,000

Asking Price (EUR)

3.9%

True Net Yield (Owner, all-in)

2.7%

True Net Yield (Managed, all-in)

6.1%

True Gross Yield

46%

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: €29,729/yr
Average Daily Rate: €179
-38.0% vs area baselineImage quality 4/10 (-9%), Dated style (-15%), No pool (-12%), Has view (+10%), Budget finish (-12%)
Payback Period: 13.9 years
5-yr Capital Value: €433,615
10-yr Capital Value: €527,559
Brixfox Score: 59.8 / 100
Comparable Properties: 42
Data Confidence: 90%
Search Radius: 2 km

True Investment Cost

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

€489,370

+48.3% over asking

Asking price€330,000
IMT — Property transfer tax (investment schedule)€14,230
IS — Stamp duty (0.8%)€2,640
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€4,950
Total acquisition costs€23,070
Renovation (est. €900/m² × 129 m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		€116,100
(€90,300–€141,900)
Furnishing & STR launch (3bd × €2500 base, budget tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€20,200
All-in investment (incl. renovation & furnishing)€489,370

Gross yield (asking price)

9.0%

True gross yield (all-in)

6.1%

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
Bathrooms: 2
Building: 129 m²
Style: dated
Condition: needs-renovation
Year Built: 1985
Energy Certificate: D
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Score Breakdown

ROI
18.89
Visual Appeal
4.4
Ownership Security
13
Location
8.4
Land & Space
4.58
Rental Demand
4.56
Payback Speed
3
STR Suitability
3

Description

3-bedroom apartment in the centre of Quarteira This 3-bedroom apartment is located in the heart of Quarteira, just 1 km from the region's stunning beaches. With a total area of 129 square metres, this property offers space for the whole family. Apartment features: - 3 bedrooms - 2 bathrooms - 1 large kitchen - 1 bri

Location

📍 37.0748°N, 8.1013°W

· Loulé/Vilamoura, Algarve, Portugal

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Idealista.pt
Loulé/Vilamoura / Golden Triangle

T3 flat in Centro - Quarteira Velha, Quarteira, Quarteira

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

Grade B investment — short-term rental yields 6.1% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score60
GradeB
Brixfox Intelligence
60BStrong
Score Breakdown
ROI & Yield66%
Capital Growth63%
Risk Profile62%
Market Demand60%

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.

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Average annual ROI over 5 years, combining both rental income and property value growth.
Total
+12.2%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+6.1%
+$101K in 5yr (+31%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
6.1%
$1,811/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
16.5 yr
Rental only

Property details

Year built: 1985
Energy: D
Condition: needs-renovation

Description

3-bedroom apartment in the centre of Quarteira This 3-bedroom apartment is located in the heart of Quarteira, just 1 km from the region's stunning beaches. With a total area of 129 square metres, this property offers space for the whole family. Apartment features: - 3 bedrooms - 2 bathrooms - 1 large kitchen - 1 bri

Income Breakdown

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Nightly Rate (ADR)
$258/night
50% ($119)Brixfox estimate($258/night)200% ($475)
Occupancy
46%
10%Brixfox estimate(46%)100%

Short-Term Rental

Yearly income
$21,726
Airbnb data$258/night · 46% occupancy
Rental income
$258/night · 46% occ.
$42,988
Running costs (20%)
Utilities, cleaning, maintenance
-$8,598
Income tax (10%)
Indonesian rental income tax
-$12,037
Property tax
Annual property tax
-$628
Net income
6.1% ROI
$21,726

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$358,696
IMT (transfer tax, investment schedule)$15,467
Imposto de Selo (stamp duty)$2,870
Notary & registration$1,359
Legal / due diligence$5,380
Total acquisition costs$25,076
Renovation (~$978/m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		$126,196
($98,152–$154,239)
Furnishing & STR launch
3bd × $2,717 base + appliances, electronics, outdoor, licence, photography, linens.		$21,957
All-in investment$531,924

Gross yield (asking)

12.0%

True gross yield (all-in)

8.1%

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.

$2.3M$1.7M$1.2M$581K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $330K
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 14: 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
$401K
+22%
Rental Income
+$106K
Total Position
$508K
+54%
9.0%/yr
Year 10
Capital Value
$488K
+48%
Rental Income
+$229K
Total Position
$718K
+117%
8.1%/yr
Year 20
Capital Value
$723K
+119%
Rental Income
+$537K
Total Position
$1.3M
+282%
6.9%/yr
Year 30
Capital Value
$1.1M
+224%
Rental Income
+$951K
Total Position
$2.0M
+513%
6.2%/yr

Location

Loulé/Vilamoura

Golden Triangle, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Good
6.1% annual return
Occupancy
Average
46% average occupancy
Nightly Rate
Strong
$238 per night
Visual Appeal
Weak
2/10 instagrammability
Size & Space
Weak
0 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $238 — 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 46% — 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.
5.3%
$1,597/mo
40% occ.
7.2%
$2,146/mo
46% occ.
8.2%
$2,455/mo
current
56% occ.
10.1%
$3,005/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.