T2 flat in Vale do Lobo, Almancil
T2 flat in Vale do Lobo, Almancil — image 2T2 flat in Vale do Lobo, Almancil — image 3T2 flat in Vale do Lobo, Almancil — image 4T2 flat in Vale do Lobo, Almancil — image 5
Grade B+apartmentmid-range

T2 flat in Vale do Lobo, Almancil

Loulé/Vilamoura · Golden Triangle ·

€570,000

Asking Price (EUR)

4.6%

True Net Yield (Owner, all-in)

3.2%

True Net Yield (Managed, all-in)

7.0%

True Gross Yield

40%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.9 months ago and is currently at 15% 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: €45,241/yr
Average Daily Rate: €312
+3.0% vs area baselineImage quality 8/10 (+3%), Modern/contemporary style (+12%), No pool (-12%)
Payback Period: 15.6 years
5-yr Capital Value: €748,972
10-yr Capital Value: €911,238
Brixfox Score: 65.4 / 100
Comparable Properties: 29
Data Confidence: 93%
Search Radius: 2 km

True Investment Cost

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

€642,640

+12.7% over asking

Asking price€570,000
IMT — Property transfer tax (investment schedule)€33,430
IS — Stamp duty (0.8%)€4,560
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€8,550
Total acquisition costs€47,790
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)€642,640

Gross yield (asking price)

7.9%

True gross yield (all-in)

7.0%

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: 2
Building: 92 m²
Style: contemporary
Condition: excellent
Year Built: 1991
Energy Certificate: C

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

trunk-style coffee tablebalcony access

Score Breakdown

ROI
17.62
Visual Appeal
12.6
Ownership Security
13
Location
8.4
Land & Space
3.84
Rental Demand
3.97
Payback Speed
3
STR Suitability
3

Description

Renovated 1+1 Bedroom Apartment with Terrace in Vale do Lobo Located in the prestigious resort of Vale do Lobo, this elegant 1+1 bedroom apartment stands out for its recent renovation, the good distribution of spaces and its proximity to the beach and golf courses. A unique opportunity for those looking for comfort, p

Location

📍 37.0454°N, 8.0506°W

· Loulé/Vilamoura, Algarve, Portugal

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Idealista.pt
Loulé/Vilamoura / Golden Triangle

T2 flat in Vale do Lobo, Almancil

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

Grade B+ investment — short-term rental yields 5.4% net return annually.

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The Investment

Brixfox Score65
GradeB+
Brixfox Intelligence
65B+Strong
Score Breakdown
ROI & Yield72%
Capital Growth68%
Risk Profile67%
Market Demand65%

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
+11.5%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+6.1%
+$175K in 5yr (+31%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
5.4%
$2,765/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
18.7 yr
Rental only

Property details

Year built: 1991
Energy: C
Condition: excellent

Description

Renovated 1+1 Bedroom Apartment with Terrace in Vale do Lobo Located in the prestigious resort of Vale do Lobo, this elegant 1+1 bedroom apartment stands out for its recent renovation, the good distribution of spaces and its proximity to the beach and golf courses. A unique opportunity for those looking for comfort, p

Income Breakdown

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Nightly Rate (ADR)
$455/night
50% ($209)Brixfox estimate($455/night)200% ($836)
Occupancy
40%
10%Brixfox estimate(40%)100%

Short-Term Rental

Yearly income
$33,176
Airbnb data$455/night · 40% occupancy
Rental income
$455/night · 40% occ.
$65,885
Running costs (20%)
Utilities, cleaning, maintenance
-$13,177
Income tax (10%)
Indonesian rental income tax
-$18,448
Property tax
Annual property tax
-$1,084
Net income
5.4% ROI
$33,176

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$619,565
IMT (transfer tax, investment schedule)$36,337
Imposto de Selo (stamp duty)$4,957
Notary & registration$1,359
Legal / due diligence$9,293
Total acquisition costs$51,946
RenovationMove-in ready
Furnishing & STR launch
2bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$27,011
All-in investment$698,522

Gross yield (asking)

10.6%

True gross yield (all-in)

9.4%

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.

$3.8M$2.8M$1.9M$949K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $570K
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 16: rental income alone has repaid the full purchase price.
2x return
Year 10: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$693K
+22%
Rental Income
+$162K
Total Position
$856K
+50%
8.5%/yr
Year 10
Capital Value
$844K
+48%
Rental Income
+$350K
Total Position
$1.2M
+109%
7.7%/yr
Year 20
Capital Value
$1.2M
+119%
Rental Income
+$820K
Total Position
$2.1M
+263%
6.7%/yr
Year 30
Capital Value
$1.8M
+224%
Rental Income
+$1.5M
Total Position
$3.3M
+479%
6.0%/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
5.4% annual return
Occupancy
Weak
40% average occupancy
Nightly Rate
Strong
$418 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 $418 — 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.
5.4%
$2,813/mo
40% occ.
7.3%
$3,781/mo
current
40% occ.
7.3%
$3,753/mo
current
50% occ.
9.1%
$4,721/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.