T4 flat in Centro - Quarteira Velha, Quarteira, Quarteira
T4 flat in Centro - Quarteira Velha, Quarteira, Quarteira — image 2T4 flat in Centro - Quarteira Velha, Quarteira, Quarteira — image 3T4 flat in Centro - Quarteira Velha, Quarteira, Quarteira — image 4T4 flat in Centro - Quarteira Velha, Quarteira, Quarteira — image 5
Grade B+apartmentbudget

T4 flat in Centro - Quarteira Velha, Quarteira, Quarteira

Loulé/Vilamoura · Golden Triangle ·

€595,000

Asking Price (EUR)

6.6%

True Net Yield (Owner, all-in)

4.6%

True Net Yield (Managed, all-in)

10.2%

True Gross Yield

57%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.5 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: €75,833/yr
Average Daily Rate: €365
-32.0% vs area baselineImage quality 6/10 (-3%), Dated style (-15%), No pool (-12%), Has view (+10%), Budget finish (-12%)
Payback Period: 9.6 years
5-yr Capital Value: €781,821
10-yr Capital Value: €951,205
Brixfox Score: 72.1 / 100
Comparable Properties: 6
Data Confidence: 71%
Search Radius: 2 km

True Investment Cost

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

€742,415

+24.8% over asking

Asking price€595,000
IMT — Property transfer tax (investment schedule)€35,430
IS — Stamp duty (0.8%)€4,760
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€8,925
Total acquisition costs€50,365
Renovation (est. €350/m² × 210 m²)
Cosmetic refresh — flooring, paint, bathroom & kitchen updates.		€73,500
(€52,500–€94,500)
Furnishing & STR launch (4bd × €2500 base, budget tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€23,550
All-in investment (incl. renovation & furnishing)€742,415

Gross yield (asking price)

12.8%

True gross yield (all-in)

10.2%

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: 4
Bathrooms: 3
Building: 210 m²
Style: dated
Condition: fair
Energy Certificate: F
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

enclosed-balcony-with-panoramic-view

Score Breakdown

ROI
23.77
Visual Appeal
8.2
Ownership Security
13
Location
8.4
Land & Space
6
Rental Demand
5.69
Payback Speed
4
STR Suitability
3

Description

Discover this magnificent 4-bedroom apartment that combines comfort, elegance, and a truly unique panoramic view. Upon entering, you are greeted by a spacious hall with a guest bathroom conveniently located near the entrance. The social area consists of a bright and spacious living and dining room — perfect for moment

Location

📍 37.0704°N, 8.0977°W

· Loulé/Vilamoura, Algarve, Portugal

View on Sortami - Mediação Imobiliária, Lda. →Also on Idealista.pt
Idealista.pt
Loulé/Vilamoura / Golden Triangle

T4 flat in Centro - Quarteira Velha, Quarteira, Quarteira

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

Grade B+ investment — short-term rental yields 8.8% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score72
GradeB+
Brixfox Intelligence
72B+Strong
Score Breakdown
ROI & Yield79%
Capital Growth76%
Risk Profile73%
Market Demand72%

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
+14.9%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+6.1%
+$183K in 5yr (+31%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
8.8%
$4,742/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
7 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
11.4 yr
Rental only

Property details

Energy: F
Condition: fair

Description

Discover this magnificent 4-bedroom apartment that combines comfort, elegance, and a truly unique panoramic view. Upon entering, you are greeted by a spacious hall with a guest bathroom conveniently located near the entrance. The social area consists of a bright and spacious living and dining room — perfect for moment

Income Breakdown

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Nightly Rate (ADR)
$538/night
50% ($247)Brixfox estimate($538/night)200% ($989)
Occupancy
57%
10%Brixfox estimate(57%)100%

Short-Term Rental

Yearly income
$56,902
Airbnb data$538/night · 57% occupancy
Rental income
$538/night · 57% occ.
$111,603
Running costs (20%)
Utilities, cleaning, maintenance
-$22,321
Income tax (10%)
Indonesian rental income tax
-$31,249
Property tax
Annual property tax
-$1,132
Net income
8.8% ROI
$56,902

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$646,739
IMT (transfer tax, investment schedule)$38,511
Imposto de Selo (stamp duty)$5,174
Notary & registration$1,359
Legal / due diligence$9,701
Total acquisition costs$54,745
Renovation (~$380/m²)
Cosmetic refresh — flooring, paint, bathroom & kitchen updates.		$79,891
($57,065–$102,717)
Furnishing & STR launch
4bd × $2,717 base + appliances, electronics, outdoor, licence, photography, linens.		$25,598
All-in investment$806,973

Gross yield (asking)

17.3%

True gross yield (all-in)

13.8%

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.

$5.1M$3.8M$2.5M$1.3M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $595K
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 10: rental income alone has repaid the full purchase price.
2x return
Year 8: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$724K
+22%
Rental Income
+$278K
Total Position
$1.0M
+68%
11.0%/yr
Year 10
Capital Value
$881K
+48%
Rental Income
+$600K
Total Position
$1.5M
+149%
9.5%/yr
Year 20
Capital Value
$1.3M
+119%
Rental Income
+$1.4M
Total Position
$2.7M
+356%
7.9%/yr
Year 30
Capital Value
$1.9M
+224%
Rental Income
+$2.5M
Total Position
$4.4M
+643%
6.9%/yr

Location

Loulé/Vilamoura

Golden Triangle, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Strong
8.8% annual return
Occupancy
Average
57% average occupancy
Nightly Rate
Strong
$495 per night
Visual Appeal
Average
4/10 instagrammability
Size & Space
Weak
0 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

High rental yield at 8.8% — outperforms most villas in this market
Premium nightly rate of $495 — positioned in the top tier
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Occupancy at 57% — 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

37% occ.
7.7%
$4,126/mo
47% occ.
9.8%
$5,271/mo
57% occ.
11.9%
$6,415/mo
current
67% occ.
14.0%
$7,560/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.