Detached house, Em525, 348 a, São Clemente, Loulé
Detached house, Em525, 348 a, São Clemente, Loulé — image 2Detached house, Em525, 348 a, São Clemente, Loulé — image 3Detached house, Em525, 348 a, São Clemente, Loulé — image 4Detached house, Em525, 348 a, São Clemente, Loulé — image 5
Grade Bvillamid-range

Detached house, Em525, 348 a, São Clemente, Loulé

Loulé/Vilamoura · Golden Triangle ·

€715,000

Asking Price (EUR)

1.1%

True Net Yield (Owner, all-in)

0.8%

True Net Yield (Managed, all-in)

1.8%

True Gross Yield

35%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.8 months ago and is currently at 15% 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: €14,188/yr
Average Daily Rate: €111
-10.0% vs area baselineImage quality 6/10 (-3%), Portuguese-traditional style (+5%), No pool (-12%)
Payback Period: 62.4 years
5-yr Capital Value: €939,499
10-yr Capital Value: €1.1M
Brixfox Score: 58.6 / 100
Comparable Properties: 16
Data Confidence: 73%
Search Radius: 4 km

True Investment Cost

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

€807,725

+13.0% over asking

Asking price€715,000
IMT — Property transfer tax (investment schedule)€42,900
IS — Stamp duty (0.8%)€5,720
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€10,725
Total acquisition costs€60,595
Renovation (est. €55/m² × 96 m²)
Light touch-ups — paint, fixtures, deep clean.		€5,280
(€2,880–€7,680)
Furnishing & STR launch (2bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€26,850
All-in investment (incl. renovation & furnishing)€807,725

Gross yield (asking price)

2.0%

True gross yield (all-in)

1.8%

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: 96 m²
Land: 1596 m²
Style: portuguese-traditional
Condition: good
Year Built: 1987
Energy Certificate: D

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

traditional blue trim on white facadelarge mature tree providing shadestone retaining walls and steps

Score Breakdown

ROI
9.32
Visual Appeal
9.4
Ownership Security
13
Location
8.4
Land & Space
12
Rental Demand
3.49
Payback Speed
0
STR Suitability
3

Description

This detached two-bedroom villa, located just a 5-minute drive from the city, represents an excellent opportunity for those looking to create their dream home in the Algarve, in a peaceful environment but with excellent accessibility. Set on a generous plot, the property retains typical Algarvian features, such as the

Location

📍 37.1665°N, 8.0238°W

· Loulé/Vilamoura, Algarve, Portugal

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Loulé/Vilamoura / Golden Triangle

Detached house, Em525, 348 a, São Clemente, Loulé

Inventory
2 Beds
Bathrooms
1 Baths
Built Area
96 m²
Land Plot
1596 m²
Tenure
Freehold
Yield Curve Status

Grade B investment — short-term rental yields 1.2% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score59
GradeB
Brixfox Intelligence
59BStrong
Score Breakdown
ROI & Yield65%
Capital Growth62%
Risk Profile61%
Market Demand59%

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
+7.3%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+6.1%
+$219K in 5yr (+31%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
1.2%
$784/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
12 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
82.6 yr
Rental only

Property details

Year built: 1987
Energy: D
Condition: good

Description

This detached two-bedroom villa, located just a 5-minute drive from the city, represents an excellent opportunity for those looking to create their dream home in the Algarve, in a peaceful environment but with excellent accessibility. Set on a generous plot, the property retains typical Algarvian features, such as the

Income Breakdown

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Nightly Rate (ADR)
$163/night
50% ($75)Brixfox estimate($163/night)200% ($299)
Occupancy
35%
10%Brixfox estimate(35%)100%

Short-Term Rental

Yearly income
$9,409
Airbnb data$163/night · 35% occupancy
Rental income
$163/night · 35% occ.
$20,710
Running costs (20%)
Utilities, cleaning, maintenance
-$4,142
Income tax (10%)
Indonesian rental income tax
-$5,799
Property tax
Annual property tax
-$1,360
Net income
1.2% ROI
$9,409

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$777,174
IMT (transfer tax, investment schedule)$46,630
Imposto de Selo (stamp duty)$6,217
Notary & registration$1,359
Legal / due diligence$11,658
Total acquisition costs$65,864
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$5,739
($3,130–$8,348)
Furnishing & STR launch
2bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$27,011
All-in investment$875,788

Gross yield (asking)

2.7%

True gross yield (all-in)

2.4%

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.

$3.1M$2.4M$1.6M$785K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 302x ReturnToday: $715K
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 15: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$870K
+22%
Rental Income
+$46K
Total Position
$916K
+28%
5.1%/yr
Year 10
Capital Value
$1.1M
+48%
Rental Income
+$99K
Total Position
$1.2M
+62%
4.9%/yr
Year 20
Capital Value
$1.6M
+119%
Rental Income
+$233K
Total Position
$1.8M
+152%
4.7%/yr
Year 30
Capital Value
$2.3M
+224%
Rental Income
+$412K
Total Position
$2.7M
+282%
4.6%/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
1.2% annual return
Occupancy
Weak
35% average occupancy
Nightly Rate
Good
$150 per night
Visual Appeal
Good
6/10 instagrammability
Size & Space
Strong
1596 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Generous 1596 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 1.2% 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.
1.4%
$925/mo
40% occ.
2.0%
$1,272/mo
35% occ.
1.7%
$1,095/mo
current
45% occ.
2.2%
$1,441/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.