Detached house, Cardazal, Querença - Tôr - Benafim, Loulé
Detached house, Cardazal, Querença - Tôr - Benafim, Loulé — image 2Detached house, Cardazal, Querença - Tôr - Benafim, Loulé — image 3Detached house, Cardazal, Querença - Tôr - Benafim, Loulé — image 4Detached house, Cardazal, Querença - Tôr - Benafim, Loulé — image 5
Grade C+villabudget

Detached house, Cardazal, Querença - Tôr - Benafim, Loulé

Loulé/Vilamoura · Golden Triangle ·

€320,000

Asking Price (EUR)

1.1%

True Net Yield (Owner, all-in)

0.8%

True Net Yield (Managed, all-in)

1.7%

True Gross Yield

25%

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: €7,634/yr
Average Daily Rate: €82
-31.0% vs area baselineImage quality 3/10 (-12%), Portuguese-traditional style (+5%), No pool (-12%), Budget finish (-12%)
Payback Period: 52.0 years
5-yr Capital Value: €420,475
10-yr Capital Value: €511,572
Brixfox Score: 53.3 / 100
Comparable Properties: 5
Data Confidence: 65%
Search Radius: 3 km

True Investment Cost

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

€442,790

+38.4% over asking

Asking price€320,000
IMT — Property transfer tax (investment schedule)€13,430
IS — Stamp duty (0.8%)€2,560
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€4,800
Total acquisition costs€22,040
Renovation (est. €900/m² × 91 m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		€81,900
(€63,700–€100,100)
Furnishing & STR launch (2bd × €2500 base, budget tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€18,850
All-in investment (incl. renovation & furnishing)€442,790

Gross yield (asking price)

2.4%

True gross yield (all-in)

1.7%

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: 2
Bathrooms: 2
Building: 91 m²
Land: 1650 m²
Style: portuguese-traditional
Condition: needs-renovation
Energy Certificate: D

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Score Breakdown

ROI
9.76
Visual Appeal
4.6
Ownership Security
13
Location
8.4
Land & Space
12
Rental Demand
2.55
Payback Speed
0
STR Suitability
3

Description

Typical villa, located in a small place near Querença, with unobstructed views. NEGOTIABLE It is being renovated, however you still have a pallet of opportunities to finish it to your liking. The house is located above road level, it is completely fenced, and in the front part, there is a space to make a beautiful gard

Location

📍 37.1998°N, 7.9890°W

· Loulé/Vilamoura, Algarve, Portugal

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Loulé/Vilamoura / Golden Triangle

Detached house, Cardazal, Querença - Tôr - Benafim, Loulé

Inventory
2 Beds
Bathrooms
2 Baths
Built Area
91 m²
Land Plot
1650 m²
Tenure
Freehold
Yield Curve Status

Grade C+ investment — short-term rental yields 1.5% net return annually.

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The Investment

Brixfox Score53
GradeC+
Brixfox Intelligence
53C+Moderate
Score Breakdown
ROI & Yield58%
Capital Growth56%
Risk Profile55%
Market Demand53%

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
+7.6%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+6.1%
+$98K in 5yr (+31%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
1.5%
$431/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
12 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
67.3 yr
Rental only

Property details

Energy: D
Condition: needs-renovation

Description

Typical villa, located in a small place near Querença, with unobstructed views. NEGOTIABLE It is being renovated, however you still have a pallet of opportunities to finish it to your liking. The house is located above road level, it is completely fenced, and in the front part, there is a space to make a beautiful gard

Income Breakdown

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Nightly Rate (ADR)
$120/night
50% ($55)Brixfox estimate($120/night)200% ($220)
Occupancy
25%
10%Brixfox estimate(25%)100%

Short-Term Rental

Yearly income
$5,171
Airbnb data$120/night · 25% occupancy
Rental income
$120/night · 25% occ.
$11,115
Running costs (20%)
Utilities, cleaning, maintenance
-$2,223
Income tax (10%)
Indonesian rental income tax
-$3,112
Property tax
Annual property tax
-$609
Net income
1.5% ROI
$5,171

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$347,826
IMT (transfer tax, investment schedule)$14,598
Imposto de Selo (stamp duty)$2,783
Notary & registration$1,359
Legal / due diligence$5,217
Total acquisition costs$23,957
Renovation (~$978/m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		$89,022
($69,239–$108,804)
Furnishing & STR launch
2bd × $2,717 base + appliances, electronics, outdoor, licence, photography, linens.		$18,315
All-in investment$479,120

Gross yield (asking)

3.2%

True gross yield (all-in)

2.3%

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.

$1.5M$1.1M$727K$363K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 302x ReturnToday: $320K
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.
2x return
Year 15: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$389K
+22%
Rental Income
+$25K
Total Position
$415K
+30%
5.3%/yr
Year 10
Capital Value
$474K
+48%
Rental Income
+$55K
Total Position
$528K
+65%
5.1%/yr
Year 20
Capital Value
$701K
+119%
Rental Income
+$128K
Total Position
$829K
+159%
4.9%/yr
Year 30
Capital Value
$1.0M
+224%
Rental Income
+$226K
Total Position
$1.3M
+295%
4.7%/yr

Location

Loulé/Vilamoura

Golden Triangle, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Weak
1.5% annual return
Occupancy
Weak
25% average occupancy
Nightly Rate
Average
$110 per night
Visual Appeal
Weak
2/10 instagrammability
Size & Space
Strong
1650 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Generous 1650 m² land — room for expansion or amenities
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Yield of 1.5% is below the market average — model your cashflow carefully

Consider carefully. Returns are below market average for this price point.

Risks & What-If

What if occupancy changes?

Owner Managed scenario

30% occ.
2.5%
$713/mo
40% occ.
3.3%
$968/mo
25% occ.
2.1%
$598/mo
current
35% occ.
2.9%
$852/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.