Detached house in Várzea da Ribeira, Querença
Detached house in Várzea da Ribeira, Querença — image 2Detached house in Várzea da Ribeira, Querença — image 3Detached house in Várzea da Ribeira, Querença — image 4Detached house in Várzea da Ribeira, Querença — image 5
Grade Bvillamid-range

Detached house in Várzea da Ribeira, Querença

Loulé/Vilamoura · Golden Triangle ·

€399,000

Asking Price (EUR)

1.6%

True Net Yield (Owner, all-in)

1.1%

True Net Yield (Managed, all-in)

2.4%

True Gross Yield

28%

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: €10,999/yr
Average Daily Rate: €109
-10.0% vs area baselineImage quality 6/10 (-3%), Portuguese-traditional style (+5%), No pool (-12%)
Payback Period: 45.4 years
5-yr Capital Value: €524,280
10-yr Capital Value: €637,867
Brixfox Score: 59.3 / 100
Comparable Properties: 5
Data Confidence: 64%
Search Radius: 3 km

True Investment Cost

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

€461,417

+15.6% over asking

Asking price€399,000
IMT — Property transfer tax (investment schedule)€19,750
IS — Stamp duty (0.8%)€3,192
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€5,985
Total acquisition costs€30,177
Renovation (est. €55/m² × 98 m²)
Light touch-ups — paint, fixtures, deep clean.		€5,390
(€2,940–€7,840)
Furnishing & STR launch (2bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€26,850
All-in investment (incl. renovation & furnishing)€461,417

Gross yield (asking price)

2.8%

True gross yield (all-in)

2.4%

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: 2
Bathrooms: 1
Building: 98 m²
Land: 40000 m²
Style: portuguese-traditional
Condition: good
Year Built: 1941
Energy Certificate: E

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

bougainvilleatraditional chimneybrick patiowooden pergola

Score Breakdown

ROI
10.16
Visual Appeal
10
Ownership Security
13
Location
8.4
Land & Space
12
Rental Demand
2.77
Payback Speed
0
STR Suitability
3

Description

We present this charming rustic-style villa, located just a 5-minute walk from the picturesque Fonte de Benémola, in the heart of the Algarve. With all the charm of the region's typical houses, this property combines the authenticity of its original layout with the potential for modernization, allowing you to create a

Location

📍 37.0770°N, 8.1170°W

· Loulé/Vilamoura, Algarve, Portugal

View on Idealista.pt
Idealista.pt
Loulé/Vilamoura / Golden Triangle

Detached house in Várzea da Ribeira, Querença

Inventory
2 Beds
Bathrooms
1 Baths
Built Area
98 m²
Land Plot
40000 m²
Tenure
Freehold
Yield Curve Status

Grade B investment — short-term rental yields 1.7% 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
+7.9%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+6.1%
+$122K in 5yr (+31%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
1.7%
$625/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
11 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
57.8 yr
Rental only

Property details

Year built: 1941
Energy: E
Condition: good

Description

We present this charming rustic-style villa, located just a 5-minute walk from the picturesque Fonte de Benémola, in the heart of the Algarve. With all the charm of the region's typical houses, this property combines the authenticity of its original layout with the potential for modernization, allowing you to create a

Income Breakdown

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Nightly Rate (ADR)
$157/night
50% ($72)Brixfox estimate($157/night)200% ($290)
Occupancy
28%
10%Brixfox estimate(28%)100%

Short-Term Rental

Yearly income
$7,505
Airbnb data$157/night · 28% occupancy
Rental income
$157/night · 28% occ.
$15,891
Running costs (20%)
Utilities, cleaning, maintenance
-$3,178
Income tax (10%)
Indonesian rental income tax
-$4,450
Property tax
Annual property tax
-$759
Net income
1.7% ROI
$7,505

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$433,696
IMT (transfer tax, investment schedule)$21,467
Imposto de Selo (stamp duty)$3,470
Notary & registration$1,359
Legal / due diligence$6,505
Total acquisition costs$32,801
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$5,859
($3,196–$8,522)
Furnishing & STR launch
2bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$27,011
All-in investment$499,366

Gross yield (asking)

3.7%

True gross yield (all-in)

3.2%

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.

$1.9M$1.4M$933K$466K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 302x ReturnToday: $399K
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 14: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$485K
+22%
Rental Income
+$37K
Total Position
$522K
+31%
5.5%/yr
Year 10
Capital Value
$591K
+48%
Rental Income
+$79K
Total Position
$670K
+68%
5.3%/yr
Year 20
Capital Value
$874K
+119%
Rental Income
+$186K
Total Position
$1.1M
+166%
5.0%/yr
Year 30
Capital Value
$1.3M
+224%
Rental Income
+$328K
Total Position
$1.6M
+307%
4.8%/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
Weak
1.7% annual return
Occupancy
Weak
28% average occupancy
Nightly Rate
Good
$145 per night
Visual Appeal
Good
7/10 instagrammability
Size & Space
Strong
40000 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Generous 40000 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 1.7% 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.
2.6%
$942/mo
40% occ.
3.5%
$1,277/mo
28% occ.
2.4%
$864/mo
current
38% occ.
3.3%
$1,199/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.