Detached house in São Clemente, Loulé
Detached house in São Clemente, Loulé — image 2Detached house in São Clemente, Loulé — image 3Detached house in São Clemente, Loulé — image 4Detached house in São Clemente, Loulé — image 5
Grade Bvillabudget

Detached house in São Clemente, Loulé

Loulé/Vilamoura · Golden Triangle ·

€119,000

Asking Price (EUR)

3.6%

True Net Yield (Owner, all-in)

2.5%

True Net Yield (Managed, all-in)

5.5%

True Gross Yield

29%

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: €9,709/yr
Average Daily Rate: €90
-28.0% vs area baselineImage quality 4/10 (-9%), Portuguese-traditional style (+5%), No pool (-12%), Budget finish (-12%)
Payback Period: 15.3 years
5-yr Capital Value: €156,364
10-yr Capital Value: €190,241
Brixfox Score: 59.1 / 100
Comparable Properties: 16
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.

€175,848

+47.8% over asking

Asking price€119,000
IMT — Property transfer tax (investment schedule)€1,361
IS — Stamp duty (0.8%)€952
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€1,785
Total acquisition costs€5,348
Renovation (est. €900/m² × 40 m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		€36,000
(€28,000–€44,000)
Furnishing & STR launch (0bd × €2500 base, budget tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€15,500
All-in investment (incl. renovation & furnishing)€175,848

Gross yield (asking price)

8.2%

True gross yield (all-in)

5.5%

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.

Building: 40 m²
Land: 112 m²
Style: portuguese-traditional
Condition: needs-renovation
Energy Certificate: Exempt

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Score Breakdown

ROI
17.82
Visual Appeal
5.4
Ownership Security
13
Location
8.4
Land & Space
5.53
Rental Demand
2.94
Payback Speed
3
STR Suitability
3

Description

Small House to Recover Goldra de Cima, Loulé It does not have any license of use or certificate of exemption. It is sold in this condition. Located in the quiet countryside of Goldra de Cima, just 5 minutes from the city of Loulé, is this small single storey house set on a plot of 112 m². With a construction area of

Location

📍 37.1380°N, 8.0212°W

· Loulé/Vilamoura, Algarve, Portugal

View on In-Select →Also on Idealista.pt
Idealista.pt
Loulé/Vilamoura / Golden Triangle

Detached house in São Clemente, Loulé

Inventory
0 Beds
Bathrooms
0 Baths
Built Area
40 m²
Land Plot
112 m²
Tenure
Freehold
Yield Curve Status

Grade B investment — short-term rental yields 5.5% net return annually.

Go to Source via Idealista.pt

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
+11.6%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+6.1%
+$37K in 5yr (+31%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
5.5%
$589/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
18.3 yr
Rental only

Property details

Energy: Exempt
Condition: needs-renovation

Description

Small House to Recover Goldra de Cima, Loulé It does not have any license of use or certificate of exemption. It is sold in this condition. Located in the quiet countryside of Goldra de Cima, just 5 minutes from the city of Loulé, is this small single storey house set on a plot of 112 m². With a construction area of

Income Breakdown

Adjust Forecast

Customize your projections
Nightly Rate (ADR)
$131/night
50% ($60)Brixfox estimate($131/night)200% ($241)
Occupancy
29%
10%Brixfox estimate(29%)100%

Short-Term Rental

Yearly income
$7,071
Airbnb data$131/night · 29% occupancy
Rental income
$131/night · 29% occ.
$14,034
Running costs (20%)
Utilities, cleaning, maintenance
-$2,807
Income tax (10%)
Indonesian rental income tax
-$3,929
Property tax
Annual property tax
-$226
Net income
5.5% ROI
$7,071

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$129,348
IMT (transfer tax, investment schedule)$1,479
Imposto de Selo (stamp duty)$1,035
Notary & registration$1,359
Legal / due diligence$1,940
Total acquisition costs$5,813
Renovation (~$978/m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		$39,130
($30,435–$47,826)
Furnishing & STR launch
0bd × $2,717 base + appliances, electronics, outdoor, licence, photography, linens.		$14,674
All-in investment$188,965

Gross yield (asking)

10.8%

True gross yield (all-in)

7.4%

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.

$800K$600K$400K$200K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $119K
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 15: 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
$145K
+22%
Rental Income
+$35K
Total Position
$179K
+51%
8.5%/yr
Year 10
Capital Value
$176K
+48%
Rental Income
+$75K
Total Position
$251K
+111%
7.7%/yr
Year 20
Capital Value
$261K
+119%
Rental Income
+$175K
Total Position
$436K
+266%
6.7%/yr
Year 30
Capital Value
$386K
+224%
Rental Income
+$310K
Total Position
$695K
+484%
6.1%/yr

Location

Loulé/Vilamoura

Golden Triangle, Approximate area

Loading Map...

Airbnb Comp Analysis

No nearby Airbnb listings found

Ask Brixfox AI

Conversational analysis — questions about this listing, answered from real data.

Try one of these

Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Good
5.5% annual return
Occupancy
Weak
29% average occupancy
Nightly Rate
Good
$120 per night
Visual Appeal
Weak
2/10 instagrammability
Size & Space
Weak
112 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Occupancy at 29% — 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.
7.6%
$816/mo
current
40% occ.
10.2%
$1,094/mo
29% occ.
7.4%
$800/mo
current
39% occ.
10.0%
$1,078/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.