Detached house, Varzea do pombal, querença, Querença - Tôr - Benafim, Loulé
Detached house, Varzea do pombal, querença, Querença - Tôr - Benafim, Loulé — image 2Detached house, Varzea do pombal, querença, Querença - Tôr - Benafim, Loulé — image 3Detached house, Varzea do pombal, querença, Querença - Tôr - Benafim, Loulé — image 4Detached house, Varzea do pombal, querença, Querença - Tôr - Benafim, Loulé — image 5
Grade Bvillamid-range

Detached house, Varzea do pombal, querença, Querença - Tôr - Benafim, Loulé

Loulé/Vilamoura · Golden Triangle ·

€385,000

Asking Price (EUR)

1.5%

True Net Yield (Owner, all-in)

1.0%

True Net Yield (Managed, all-in)

2.2%

True Gross Yield

19%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.9 months ago and is currently at 16% 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: €10,174/yr
Average Daily Rate: €145
-3.0% vs area baselineImage quality 5/10 (-6%), Portuguese-traditional style (+5%), No pool (-12%), Has view (+10%)
Payback Period: 47.0 years
5-yr Capital Value: €505,884
10-yr Capital Value: €615,486
Brixfox Score: 55.8 / 100
Comparable Properties: 7
Data Confidence: 61%
Search Radius: 6 km

True Investment Cost

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

€456,220

+18.5% over asking

Asking price€385,000
IMT — Property transfer tax (investment schedule)€18,630
IS — Stamp duty (0.8%)€3,080
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€5,775
Total acquisition costs€28,735
Renovation (est. €55/m² × 187 m²)
Light touch-ups — paint, fixtures, deep clean.		€10,285
(€5,610–€14,960)
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)€456,220

Gross yield (asking price)

2.6%

True gross yield (all-in)

2.2%

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: 3
Bathrooms: 2
Building: 187 m²
Land: 575 m²
Style: portuguese-traditional
Condition: good
Year Built: 1992
Energy Certificate: D
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

traditional tiled roof accentwhite washed exteriorgreenery along wall

Score Breakdown

ROI
10.04
Visual Appeal
7.4
Ownership Security
13
Location
8.4
Land & Space
12
Rental Demand
1.92
Payback Speed
0
STR Suitability
3

Description

Set within walking distance of Querença's cafés and village centre, this detached property, built in 1992, offers generous space, versatility, and exciting potential to create a truly personal home. The house is arranged over two floors. On the ground floor, you'll find a bright open-plan kitchen and living area with

Location

📍 37.2027°N, 7.9919°W

· Loulé/Vilamoura, Algarve, Portugal

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Idealista.pt
Loulé/Vilamoura / Golden Triangle

Detached house, Varzea do pombal, querença, Querença - Tôr - Benafim, Loulé

Inventory
3 Beds
Bathrooms
2 Baths
Built Area
187 m²
Land Plot
575 m²
Tenure
Freehold
Yield Curve Status

Grade B investment — short-term rental yields 1.7% net return annually.

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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
+7.8%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+6.1%
+$118K in 5yr (+31%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
1.7%
$580/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
60.1 yr
Rental only

Property details

Year built: 1992
Energy: D
Condition: good

Description

Set within walking distance of Querença's cafés and village centre, this detached property, built in 1992, offers generous space, versatility, and exciting potential to create a truly personal home. The house is arranged over two floors. On the ground floor, you'll find a bright open-plan kitchen and living area with

Income Breakdown

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Nightly Rate (ADR)
$212/night
50% ($97)Brixfox estimate($212/night)200% ($389)
Occupancy
19%
10%Brixfox estimate(19%)100%

Short-Term Rental

Yearly income
$6,964
Airbnb data$212/night · 19% occupancy
Rental income
$212/night · 19% occ.
$14,800
Running costs (20%)
Utilities, cleaning, maintenance
-$2,960
Income tax (10%)
Indonesian rental income tax
-$4,144
Property tax
Annual property tax
-$732
Net income
1.7% ROI
$6,964

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$418,478
IMT (transfer tax, investment schedule)$20,250
Imposto de Selo (stamp duty)$3,348
Notary & registration$1,359
Legal / due diligence$6,277
Total acquisition costs$31,234
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$11,179
($6,098–$16,261)
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$32,826
All-in investment$493,717

Gross yield (asking)

3.5%

True gross yield (all-in)

3.0%

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.

$1.8M$1.3M$893K$447K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 302x ReturnToday: $385K
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
$468K
+22%
Rental Income
+$34K
Total Position
$502K
+30%
5.5%/yr
Year 10
Capital Value
$570K
+48%
Rental Income
+$73K
Total Position
$643K
+67%
5.3%/yr
Year 20
Capital Value
$844K
+119%
Rental Income
+$172K
Total Position
$1.0M
+164%
5.0%/yr
Year 30
Capital Value
$1.2M
+224%
Rental Income
+$305K
Total Position
$1.6M
+304%
4.8%/yr

Location

Loulé/Vilamoura

Golden Triangle, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Weak
1.7% annual return
Occupancy
Weak
19% average occupancy
Nightly Rate
Good
$195 per night
Visual Appeal
Average
4/10 instagrammability
Size & Space
Strong
575 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Generous 575 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.
3.7%
$1,290/mo
40% occ.
5.0%
$1,741/mo
19% occ.
2.3%
$802/mo
current
29% occ.
3.6%
$1,253/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.