Detached house in Estrada de Santa Margarida, Nn, Alte, Loulé
Detached house in Estrada de Santa Margarida, Nn, Alte, Loulé — image 2Detached house in Estrada de Santa Margarida, Nn, Alte, Loulé — image 3Detached house in Estrada de Santa Margarida, Nn, Alte, Loulé — image 4Detached house in Estrada de Santa Margarida, Nn, Alte, Loulé — image 5
Grade Bvillabudget

Detached house in Estrada de Santa Margarida, Nn, Alte, Loulé

Loulé/Vilamoura · Golden Triangle ·

€79,500

Asking Price (EUR)

2.6%

True Net Yield (Owner, all-in)

1.8%

True Net Yield (Managed, all-in)

4.0%

True Gross Yield

31%

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: €7,643/yr
Average Daily Rate: €67
-54.0% vs area baselineImage quality 2/10 (-15%), Dated style (-15%), No pool (-12%), Budget finish (-12%)
Payback Period: 13.0 years
5-yr Capital Value: €104,462
10-yr Capital Value: €127,094
Brixfox Score: 56.3 / 100
Comparable Properties: 4
Data Confidence: 73%
Search Radius: 3 km

True Investment Cost

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

€192,531

+142.2% over asking

Asking price€79,500
IMT — Property transfer tax (investment schedule)€795
IS — Stamp duty (0.8%)€636
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€1,500
Total acquisition costs€4,181
Renovation (est. €900/m² × 100 m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		€90,000
(€70,000–€110,000)
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)€192,531

Gross yield (asking price)

9.6%

True gross yield (all-in)

4.0%

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: 1
Building: 100 m²
Style: dated
Condition: needs-renovation
Energy Certificate: F

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Score Breakdown

ROI
19.61
Visual Appeal
2.2
Ownership Security
13
Location
8.4
Land & Space
4
Rental Demand
3.11
Payback Speed
3
STR Suitability
3

Description

Property Identification: ZMPT586615 Fantastic Independent House with 100m2 to renovate in Santa Margarida, Alte. With a project approved by the City Council. The House has electricity, sewage, and public water supply. The house has a magnificent, unobstructed view of the Algarve mountains. It is less than 10 minutes f

Location

📍 37.2372°N, 8.1847°W

· Loulé/Vilamoura, Algarve, Portugal

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Idealista.pt
Loulé/Vilamoura / Golden Triangle

Detached house in Estrada de Santa Margarida, Nn, Alte, Loulé

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

Grade B investment — short-term rental yields 6.5% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score56
GradeB
Brixfox Intelligence
56BStrong
Score Breakdown
ROI & Yield62%
Capital Growth59%
Risk Profile58%
Market Demand56%

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
+12.6%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+6.1%
+$24K in 5yr (+31%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
6.5%
$466/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
15.5 yr
Rental only

Property details

Energy: F
Condition: needs-renovation

Description

Property Identification: ZMPT586615 Fantastic Independent House with 100m2 to renovate in Santa Margarida, Alte. With a project approved by the City Council. The House has electricity, sewage, and public water supply. The house has a magnificent, unobstructed view of the Algarve mountains. It is less than 10 minutes f

Income Breakdown

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Nightly Rate (ADR)
$97/night
50% ($45)Brixfox estimate($97/night)200% ($179)
Occupancy
31%
10%Brixfox estimate(31%)100%

Short-Term Rental

Yearly income
$5,590
Airbnb data$97/night · 31% occupancy
Rental income
$97/night · 31% occ.
$11,040
Running costs (20%)
Utilities, cleaning, maintenance
-$2,208
Income tax (10%)
Indonesian rental income tax
-$3,091
Property tax
Annual property tax
-$151
Net income
6.5% ROI
$5,590

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$86,413
IMT (transfer tax, investment schedule)$864
Imposto de Selo (stamp duty)$691
Notary & registration$1,359
Legal / due diligence$1,630
Total acquisition costs$4,545
Renovation (~$978/m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		$97,826
($76,087–$119,565)
Furnishing & STR launch
2bd × $2,717 base + appliances, electronics, outdoor, licence, photography, linens.		$18,315
All-in investment$207,099

Gross yield (asking)

12.8%

True gross yield (all-in)

5.3%

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.

$578K$433K$289K$144K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $80K
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 13: rental income alone has repaid the full purchase price.
2x return
Year 9: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$97K
+22%
Rental Income
+$27K
Total Position
$124K
+56%
9.3%/yr
Year 10
Capital Value
$118K
+48%
Rental Income
+$59K
Total Position
$177K
+122%
8.3%/yr
Year 20
Capital Value
$174K
+119%
Rental Income
+$138K
Total Position
$312K
+293%
7.1%/yr
Year 30
Capital Value
$258K
+224%
Rental Income
+$245K
Total Position
$503K
+532%
6.3%/yr

Location

Loulé/Vilamoura

Golden Triangle, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Good
6.5% annual return
Occupancy
Weak
31% average occupancy
Nightly Rate
Average
$89 per night
Visual Appeal
Weak
1/10 instagrammability
Size & Space
Weak
0 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 31% — 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.
8.5%
$609/mo
40% occ.
11.3%
$816/mo
31% occ.
8.8%
$631/mo
current
41% occ.
11.6%
$839/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.