T1 flat in Rua Serpa Pinto, Centro Oeste da Cidade de Loulé, São Sebastião
T1 flat in Rua Serpa Pinto, Centro Oeste da Cidade de Loulé, São Sebastião — image 2T1 flat in Rua Serpa Pinto, Centro Oeste da Cidade de Loulé, São Sebastião — image 3T1 flat in Rua Serpa Pinto, Centro Oeste da Cidade de Loulé, São Sebastião — image 4T1 flat in Rua Serpa Pinto, Centro Oeste da Cidade de Loulé, São Sebastião — image 5
Grade C+apartmentmid-range

T1 flat in Rua Serpa Pinto, Centro Oeste da Cidade de Loulé, São Sebastião

Loulé/Vilamoura · Golden Triangle ·

€350,000

Asking Price (EUR)

1.9%

True Net Yield (Owner, all-in)

1.3%

True Net Yield (Managed, all-in)

2.9%

True Gross Yield

32%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.6 months ago and is currently at 13% maturity. Yields shown apply a conservative calibration (realised-ADR factor 0.74, occupancy cap 66%) that auto-fades to full fidelity by April 2027.

Projected Gross Revenue: €11,542/yr
Average Daily Rate: €100
-2.0% vs area baselineNo pool (-12%), Has view (+10%)
Payback Period: 37.3 years
5-yr Capital Value: €459,895
10-yr Capital Value: €559,532
Brixfox Score: 53.3 / 100
Comparable Properties: 13
Data Confidence: 90%
Search Radius: 2 km

True Investment Cost

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

€394,630

+12.8% over asking

Asking price€350,000
IMT — Property transfer tax (investment schedule)€15,830
IS — Stamp duty (0.8%)€2,800
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€5,250
Total acquisition costs€25,130
Renovation€0 — move-in ready
Furnishing & STR launch (1bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€19,500
All-in investment (incl. renovation & furnishing)€394,630

Gross yield (asking price)

3.3%

True gross yield (all-in)

2.9%

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: 1
Bathrooms: 1
Building: 83 m²
Style: minimalist
Condition: excellent
Year Built: 2026
Energy Certificate: B-
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

large glass doors to balconymodern air conditioning unit

Score Breakdown

ROI
10.81
Visual Appeal
11.2
Ownership Security
13
Location
8.4
Land & Space
3.66
Rental Demand
3.18
Payback Speed
0
STR Suitability
3

Description

Set in a classic building in the heart of Loulé, this fully restored one-bedroom apartment combines a traditional façade with a modern interior and premium finishes.   Located on the second floor of a building with only three apartments and no lift, the property benefits from a central and privileged location, within w

Location

📍 37.1388°N, 8.0249°W

· Loulé/Vilamoura, Algarve, Portugal

View on OliveHomes.com →Also on Idealista.pt
Idealista.pt
Loulé/Vilamoura / Golden Triangle

T1 flat in Rua Serpa Pinto, Centro Oeste da Cidade de Loulé, São Sebastião

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

Grade C+ investment — short-term rental yields 2.1% net return annually.

Go to Source via Idealista.pt

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
+8.3%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+6.1%
+$107K in 5yr (+31%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
2.1%
$679/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
46.7 yr
Rental only

Property details

Year built: 2026
Energy: B-
Condition: excellent

Description

Set in a classic building in the heart of Loulé, this fully restored one-bedroom apartment combines a traditional façade with a modern interior and premium finishes.   Located on the second floor of a building with only three apartments and no lift, the property benefits from a central and privileged location, within w

Income Breakdown

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Nightly Rate (ADR)
$146/night
50% ($67)Brixfox estimate($146/night)200% ($269)
Occupancy
32%
10%Brixfox estimate(32%)100%

Short-Term Rental

Yearly income
$8,145
Airbnb data$146/night · 32% occupancy
Rental income
$146/night · 32% occ.
$16,943
Running costs (20%)
Utilities, cleaning, maintenance
-$3,389
Income tax (10%)
Indonesian rental income tax
-$4,744
Property tax
Annual property tax
-$666
Net income
2.1% ROI
$8,145

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$380,435
IMT (transfer tax, investment schedule)$17,207
Imposto de Selo (stamp duty)$3,043
Notary & registration$1,359
Legal / due diligence$5,707
Total acquisition costs$27,315
RenovationMove-in ready
Furnishing & STR launch
1bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$21,196
All-in investment$428,946

Gross yield (asking)

4.5%

True gross yield (all-in)

4.0%

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.

$1.7M$1.3M$858K$429K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $350K
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 30: rental income alone has repaid the full purchase price.
2x return
Year 14: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$426K
+22%
Rental Income
+$40K
Total Position
$466K
+33%
5.9%/yr
Year 10
Capital Value
$518K
+48%
Rental Income
+$86K
Total Position
$604K
+73%
5.6%/yr
Year 20
Capital Value
$767K
+119%
Rental Income
+$201K
Total Position
$968K
+177%
5.2%/yr
Year 30
Capital Value
$1.1M
+224%
Rental Income
+$356K
Total Position
$1.5M
+326%
5.0%/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
2.1% annual return
Occupancy
Weak
32% average occupancy
Nightly Rate
Good
$134 per night
Visual Appeal
Good
6/10 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
Yield of 2.1% 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.
2.8%
$878/mo
40% occ.
3.8%
$1,189/mo
32% occ.
2.9%
$933/mo
current
42% occ.
3.9%
$1,244/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.