São Rafael

Olhos de Agua | Algarve

The Spirit of

Mediterranean Living

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Principal sociedade de Mediação Imobiliaria Lda

Presented At

€1,200,000

Bedrooms

Bathrooms

Living

3,660

SQM

Fireplace

Stone Countertops

Air Conditioning

Laundry Room

Terrace

Garage

Garden

Balcony

Pool

Water View

Panoramic / Scenic View

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São Rafael

Olhos de Agua | Algarve

São Rafael, Algarve, Olhos de Agua, Algarve, Portugal. , Olhos de Agua , Algarve

Superb 3+1 Bedroom Villa with Heated Pool in São Rafael, Albufeira

Spacious 3 +1 Bedroom Villa with heatable swimming pool and garage in São Rafael, within short distance from the beach and restaurants, just a short drive away to Albufeira town and the Marina. The property is completely walled and fenced and features beautiful garden areas around the Villa, a large heated swimming pool and outside shower.There is also a wide, shaded barbecue area with a counter top and sink conveniently located near the kitchen exterior door.On the ground floor you will find the entrance hall, a spacious living and dining room with a fireplace and glass doors facing the pateo and swimming pool area. The dining room opens up to the bright and fully equipped kitchen, with a pantry/laundry room. There is also one bedroom and a bathroom with shower enclosure on this floor.Going up to the first floor, there are 2 large bedrooms with fitted wardorbes and air conditioning units, 2 bathrooms (1 en-suite) and a terrace with beautiful views to the mountains behind.On the lower ground floor there is a 4th bedroom and a bathroom with shower enclosure. The garage space, currently used as a games room, can fit one large car or two small ones. There is also space to park several other vehicles within the fenced property as it has two automatic vehicle gates, one on the south and one on the north side of the property.The Villa is equipped with an alarm system, solar panels, heating pump for the swimming pool and air conditioning in all bedrooms.This property is also highly sought after as a rental option with an AL license and good track record of profitability. Its location provides a premium clientele if this is your goal.Do not miss this opportunity. Contact us!

Gallery

3D Street View Tour

Property Location

São Rafael, Algarve, Olhos de Agua, Algarve, Portugal., Olhos de Agua Algarve

Local Weather & Climate

Olhos de Agua, Algarve

Current Conditions Updated recently

60 °F

Overcast clouds

Feels Like 60°F

Humidity 90%

Wind 30 mph

Visibility 6.2 mi

Sunrise 7:32 AM

Sunset 6:01 PM

5-Day Forecast

Thu 5 Feb

Rain

High 61°

Low 56°

Fri 6 Feb

Rain

High 56°

Low 52°

Sat 7 Feb

Rain

High 56°

Low 51°

Sun 8 Feb

Clouds

High 57°

Low 53°

Mon 9 Feb

Rain

High 62°

Low 56°

Data from OpenWeatherMap

Walkability & Transit Scores

How easy is it to get around Olhos de Agua?

Walkability and transit scores for this address come from the EPA National Walkability Index.

Mortgage Calculator

Estimate your monthly payments for this property

Home Price

€

Down Payment

€100,000

Interest Rate

Loan Term

Estimated Monthly Payment $3,160

Monthly Payment Breakdown

Principal & Interest $2,528

Loan Amount $400,000

Total Interest $337,621

Total Cost $737,621

Potential Tax Benefits (Portugal)

€0 Est. First Year Interest Deduction

€0 Est. Annual Tax Savings

*Maximum annual deduction is €296. Property must be permanent residence. Phasing out for higher incomes.

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Important Information

This calculator is for illustrative purposes only and does not constitute a loan offer, pre-approval, or commitment to lend.
Monthly payment estimates do not include property taxes, homeowner's insurance, HOA fees, or other applicable costs which may significantly increase your actual payment.
Interest rates shown are for demonstration only. Actual rates depend on your credit score, down payment, loan type, property location, and current market conditions.
This tool provides estimates only. Consult with a licensed mortgage professional for accurate quotes and personalized advice.
Tax benefit calculations are simplified estimates based on general assumptions for Portugal. Actual deductions depend on your specific tax situation, filing status, and current tax laws.
Tax Year Information: Tax data shown is based on Portugal tax year 2025 (fiscal year: January-December). Tax laws change frequently and may have been amended since this data was compiled.

Tax Information Disclaimer

The tax benefit information displayed on this page is provided for general informational and educational purposes only. This information:

Does not constitute tax advice and should not be relied upon as such. Tax laws are complex and vary by jurisdiction, individual circumstances, and are subject to change without notice.
May not be current or accurate for your specific situation. Tax rules are updated frequently by governments, and the information shown may not reflect the most recent changes.
Uses simplified assumptions that may not apply to your circumstances, including filing status, total income, other deductions, alternative minimum tax considerations, and local tax variations.
Should not be used as the basis for any tax planning decisions or financial strategies without consulting a qualified tax professional licensed in your jurisdiction.

Before making any decisions based on potential tax benefits, you should consult with a qualified tax advisor, certified public accountant (CPA), or licensed tax professional who can evaluate your specific circumstances and provide advice tailored to your situation.

Limitation of Liability: By using this calculator, you acknowledge that all results are approximations and should not be relied upon for financial, legal, or tax decisions. openluxe, its affiliates, officers, directors, employees, and agents expressly disclaim all liability for any damages, losses, or consequences arising from the use of or reliance on this calculator or the information provided herein. openluxe is not a lender, financial advisor, or tax professional and does not provide mortgage loans, financial advice, or tax advice. Use of this calculator does not create any professional relationship.

$1,200,000

São Rafael, Algarve, Olhos de Agua, Algarve, Portugal.

Olhos de Agua, Algarve

4 Beds

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Market Opinion

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Our perspective on current market conditions in Olhos de Agua. For informational purposes only — always consult a licensed real estate professional before making decisions.

Market Analysis

International luxury real estate typically appreciates steadily over time.

Buyer Score

Estimated regional appreciation: 4% annually

Ultra-luxury properties tend to be more resilient during market downturns

Future Value & Wealth Building

Starting investment: $120,000,000 20% down ($24,000,000)

Investment Perspective

$1 → $1.36

Every dollar invested today could become $1.36 in 10 years

$100 → 136 $1,000 → $1,362

$10,312/day

Your home may appreciate while you sleep

$72,379/week $313,644/mo $3,763,724/yr

$100K Investment Comparison (10 Years)

Real Estate (Leveraged)

$281K

S&P 500 Index

$259K

High-Yield Savings

$155K

Real estate leverage: potential 8% advantage over stocks

-$66.0M

+$93.7M

$93.7M Potential Equity

vs $66.0M lost to rent over 10 years

$24.0M Down Payment Growth

3.9x

10yr

$93.7M

8.1x

20yr

$193.9M

12.6x

30yr

$303.1M

Wealth Comparison

×722

Equivalent to 722 average US homes

top 5%

US household wealth ranking

Median: $193K Yours: $303.1M

Time to Double Your Investment (accounting for market cycles)

42.4

years

Conservative

1.65% effective/yr

22.4

years

Market-Based

3.14% effective/yr

15.3

years

Optimistic

4.62% effective/yr

Projected Home Values (adjusted for market cycles)

10 Years

Conservative $141.3M +18%

Market $163.4M +36%

Optimistic $188.6M +57%

$93.7M est. equity

20 Years

Conservative $166.4M +39%

Market $222.5M +85%

Optimistic $296.4M +147%

$193.9M est. equity

30 Years

Conservative $196.0M +63%

Market $303.1M +153%

Optimistic $465.7M +288%

$303.1M est. equity

These projections are estimates only and actual results may vary. Past performance does not guarantee future results.

Important Disclaimer

The information presented in this Market Opportunity Opinion is provided for informational and educational purposes only and should not be construed as financial, investment, legal, or real estate advice. This analysis represents our opinion based on publicly available data and should not be relied upon as the sole basis for any real estate or investment decision.

No Guarantee of Accuracy: While we strive to provide accurate and up-to-date information, we make no representations or warranties of any kind, express or implied, about the completeness, accuracy, reliability, or suitability of the data, projections, or analysis contained herein. Market conditions can change rapidly and unpredictably.

Not Professional Advice: This content does not constitute professional real estate, financial, or investment advice. We strongly recommend consulting with qualified professionals—including licensed real estate agents, financial advisors, attorneys, and tax professionals—before making any real estate or investment decisions.

Past Performance Disclaimer: Historical data and trends presented do not guarantee future results. Real estate markets are subject to numerous factors beyond the scope of this analysis, including economic conditions, interest rates, local regulations, and unforeseen events.

By viewing this information, you acknowledge that you understand these limitations and agree that the property owner, listing agent, brokerage, and platform providers shall not be held liable for any decisions made based on this analysis.

Data from World Bank and regional real estate market research | Estimates based on historical appreciation trends

Frequently Asked Questions

Common questions about this property

How many bedrooms and bathrooms does São Rafael, Algarve, Olhos de Agua, Algarve, Portugal have?

This house at São Rafael, Algarve, Olhos de Agua, Algarve, Portugal features 4 bedrooms with 3,660 square feet of living space.

What is the size of São Rafael, Algarve, Olhos de Agua, Algarve, Portugal?

This property offers 3,660 square feet of living space.

What is the listing price for São Rafael, Algarve, Olhos de Agua, Algarve, Portugal?

This property is listed at $120,000,000, which equals $32787 per square foot.

Is now a good time to buy a home in Olhos de Agua?

Based on current market indicators, Olhos de Agua shows an active market. The market opportunity score is 65 out of 100, reflecting factors like price trends, inventory levels, and days on market.

What type of property is São Rafael, Algarve, Olhos de Agua, Algarve, Portugal?

This is a house located in Olhos de Agua, Algarve. The property is situated in an established neighborhood with convenient access to local amenities and services.