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

T3 flat in Rua da Madrugada, Centro - Quarteira Velha, Quarteira, Quarteira

Loulé/Vilamoura · Golden Triangle ·

€365,000

Asking Price (EUR)

3.5%

True Net Yield (Owner, all-in)

2.4%

True Net Yield (Managed, all-in)

5.4%

True Gross Yield

46%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.9 months ago and is currently at 16% 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: €25,393/yr
Average Daily Rate: €153
-45.0% vs area baselineImage quality 5/10 (-6%), Dated style (-15%), No pool (-12%), Budget finish (-12%)
Payback Period: 17.9 years
5-yr Capital Value: €479,605
10-yr Capital Value: €583,512
Brixfox Score: 58.5 / 100
Comparable Properties: 38
Data Confidence: 91%
Search Radius: 2 km

True Investment Cost

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

€470,675

+29.0% over asking

Asking price€365,000
IMT — Property transfer tax (investment schedule)€17,030
IS — Stamp duty (0.8%)€2,920
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€5,475
Total acquisition costs€26,675
Renovation (est. €350/m² × 168 m²)
Cosmetic refresh — flooring, paint, bathroom & kitchen updates.		€58,800
(€42,000–€75,600)
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)€470,675

Gross yield (asking price)

7.0%

True gross yield (all-in)

5.4%

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: 168 m²
Style: dated
Condition: fair
Year Built: 1994
Energy Certificate: C

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Score Breakdown

ROI
16.41
Visual Appeal
5.8
Ownership Security
13
Location
8.4
Land & Space
5.36
Rental Demand
4.56
Payback Speed
2
STR Suitability
3

Description

Three-bedroom apartment located on the 2nd floor of abuilding without a lift, situated in a central and residential area ofQuarteira, close to Avenida de Ceuta. The property comprises three bedrooms, two bathrooms, a spacious living room, two balconies a functional kitchen, anda well-distributed layout that provides c

Location

📍 37.0712°N, 8.1007°W

· Loulé/Vilamoura, Algarve, Portugal

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Idealista.pt
Loulé/Vilamoura / Golden Triangle

T3 flat in Rua da Madrugada, Centro - Quarteira Velha, Quarteira, Quarteira

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

Grade B investment — short-term rental yields 4.7% net return annually.

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The Investment

Brixfox Score59
GradeB
Brixfox Intelligence
59BStrong
Score Breakdown
ROI & Yield65%
Capital Growth62%
Risk Profile61%
Market Demand59%

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
+10.8%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+6.1%
+$112K in 5yr (+31%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
4.7%
$1,543/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
9 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
21.4 yr
Rental only

Property details

Year built: 1994
Energy: C
Condition: fair

Description

Three-bedroom apartment located on the 2nd floor of abuilding without a lift, situated in a central and residential area ofQuarteira, close to Avenida de Ceuta. The property comprises three bedrooms, two bathrooms, a spacious living room, two balconies a functional kitchen, anda well-distributed layout that provides c

Income Breakdown

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Nightly Rate (ADR)
$222/night
50% ($102)Brixfox estimate($222/night)200% ($409)
Occupancy
46%
10%Brixfox estimate(46%)100%

Short-Term Rental

Yearly income
$18,515
Airbnb data$222/night · 46% occupancy
Rental income
$222/night · 46% occ.
$36,940
Running costs (20%)
Utilities, cleaning, maintenance
-$7,388
Income tax (10%)
Indonesian rental income tax
-$10,343
Property tax
Annual property tax
-$694
Net income
4.7% ROI
$18,515

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$396,739
IMT (transfer tax, investment schedule)$18,511
Imposto de Selo (stamp duty)$3,174
Notary & registration$1,359
Legal / due diligence$5,951
Total acquisition costs$28,995
Renovation (~$380/m²)
Cosmetic refresh — flooring, paint, bathroom & kitchen updates.		$63,913
($45,652–$82,174)
Furnishing & STR launch
3bd × $2,717 base + appliances, electronics, outdoor, licence, photography, linens.		$21,957
All-in investment$511,603

Gross yield (asking)

9.3%

True gross yield (all-in)

7.2%

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$1.1M$573K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $365K
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 17: 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
$444K
+22%
Rental Income
+$90K
Total Position
$535K
+46%
7.9%/yr
Year 10
Capital Value
$540K
+48%
Rental Income
+$195K
Total Position
$736K
+102%
7.3%/yr
Year 20
Capital Value
$800K
+119%
Rental Income
+$458K
Total Position
$1.3M
+245%
6.4%/yr
Year 30
Capital Value
$1.2M
+224%
Rental Income
+$810K
Total Position
$2.0M
+446%
5.8%/yr

Location

Loulé/Vilamoura

Golden Triangle, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Average
4.7% annual return
Occupancy
Average
46% average occupancy
Nightly Rate
Strong
$204 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

Premium nightly rate of $204 — positioned in the top tier
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Yield of 4.7% is near 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.
4.1%
$1,361/mo
40% occ.
5.5%
$1,834/mo
46% occ.
6.3%
$2,097/mo
current
56% occ.
7.8%
$2,570/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.