House in Caminho do Morgado, Nn, Querença - Tôr - Benafim, Loulé
House in Caminho do Morgado, Nn, Querença - Tôr - Benafim, Loulé — image 2House in Caminho do Morgado, Nn, Querença - Tôr - Benafim, Loulé — image 3House in Caminho do Morgado, Nn, Querença - Tôr - Benafim, Loulé — image 4House in Caminho do Morgado, Nn, Querença - Tôr - Benafim, Loulé — image 5
Grade Bvillamid-range

House in Caminho do Morgado, Nn, Querença - Tôr - Benafim, Loulé

Loulé/Vilamoura · Golden Triangle ·

€575,000

Asking Price (EUR)

2.0%

True Net Yield (Owner, all-in)

1.4%

True Net Yield (Managed, all-in)

3.0%

True Gross Yield

32%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 2 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: €20,124/yr
Average Daily Rate: €172
-7.0% vs area baselinePortuguese-traditional style (+5%), No pool (-12%)
Payback Period: 35.6 years
5-yr Capital Value: €755,541
10-yr Capital Value: €919,232
Brixfox Score: 62.4 / 100
Comparable Properties: 8
Data Confidence: 60%
Search Radius: 6 km

True Investment Cost

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

€666,340

+15.9% over asking

Asking price€575,000
IMT — Property transfer tax (investment schedule)€33,830
IS — Stamp duty (0.8%)€4,600
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€8,625
Total acquisition costs€48,305
Renovation (est. €55/m² × 197 m²)
Light touch-ups — paint, fixtures, deep clean.		€10,835
(€5,910–€15,760)
Furnishing & STR launch (3bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€32,200
All-in investment (incl. renovation & furnishing)€666,340

Gross yield (asking price)

3.5%

True gross yield (all-in)

3.0%

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: 3
Bathrooms: 3
Building: 197 m²
Land: 1000 m²
Style: portuguese-traditional
Condition: good
Energy Certificate: C

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

rooftop terracefoosball tableping pong tabletraditional Portuguese architecture

Score Breakdown

ROI
11
Visual Appeal
11.8
Ownership Security
13
Location
8.4
Land & Space
12
Rental Demand
3.2
Payback Speed
0
STR Suitability
3

Description

Descubra esta magnífica villa de 3 quartos em suite, uma verdadeira joia situada a apenas sete minutos de carro do centro de Loulé. Esta residência excepcional oferece o perfeito equilíbrio entre conforto contemporâneo e charme mediterrâneo. Características principais: - 10 minutos de carro de Colégios internacionais

Location

📍 37.1898°N, 8.0204°W

· Loulé/Vilamoura, Algarve, Portugal

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Loulé/Vilamoura / Golden Triangle

House in Caminho do Morgado, Nn, Querença - Tôr - Benafim, Loulé

Inventory
3 Beds
Bathrooms
3 Baths
Built Area
197 m²
Land Plot
1000 m²
Tenure
Freehold
Yield Curve Status

Grade B investment — short-term rental yields 2.2% net return annually.

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The Investment

Brixfox Score62
GradeB
Brixfox Intelligence
62BStrong
Score Breakdown
ROI & Yield68%
Capital Growth65%
Risk Profile64%
Market Demand62%

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.

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Average annual ROI over 5 years, combining both rental income and property value growth.
Total
+8.4%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+6.1%
+$177K in 5yr (+31%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
2.2%
$1,172/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
44.4 yr
Rental only

Property details

Energy: C
Condition: good

Description

Descubra esta magnífica villa de 3 quartos em suite, uma verdadeira joia situada a apenas sete minutos de carro do centro de Loulé. Esta residência excepcional oferece o perfeito equilíbrio entre conforto contemporâneo e charme mediterrâneo. Características principais: - 10 minutos de carro de Colégios internacionais

Income Breakdown

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Nightly Rate (ADR)
$250/night
50% ($115)Brixfox estimate($250/night)200% ($459)
Occupancy
32%
10%Brixfox estimate(32%)100%

Short-Term Rental

Yearly income
$14,062
Airbnb data$250/night · 32% occupancy
Rental income
$250/night · 32% occ.
$29,146
Running costs (20%)
Utilities, cleaning, maintenance
-$5,829
Income tax (10%)
Indonesian rental income tax
-$8,161
Property tax
Annual property tax
-$1,094
Net income
2.2% ROI
$14,062

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$625,000
IMT (transfer tax, investment schedule)$36,772
Imposto de Selo (stamp duty)$5,000
Notary & registration$1,359
Legal / due diligence$9,375
Total acquisition costs$52,505
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$11,777
($6,424–$17,130)
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$32,826
All-in investment$722,109

Gross yield (asking)

4.7%

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.

$2.9M$2.1M$1.4M$713K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $575K
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 29: rental income alone has repaid the full purchase price.
2x return
Year 13: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$700K
+22%
Rental Income
+$69K
Total Position
$768K
+34%
6.0%/yr
Year 10
Capital Value
$851K
+48%
Rental Income
+$148K
Total Position
$999K
+74%
5.7%/yr
Year 20
Capital Value
$1.3M
+119%
Rental Income
+$348K
Total Position
$1.6M
+180%
5.3%/yr
Year 30
Capital Value
$1.9M
+224%
Rental Income
+$615K
Total Position
$2.5M
+331%
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
2.2% annual return
Occupancy
Weak
32% average occupancy
Nightly Rate
Strong
$230 per night
Visual Appeal
Good
7/10 instagrammability
Size & Space
Strong
1000 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $230 — positioned in the top tier
Generous 1000 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 2.2% 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.
2.9%
$1,503/mo
40% occ.
3.9%
$2,035/mo
32% occ.
3.1%
$1,609/mo
current
42% occ.
4.1%
$2,140/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.