This listing includes AI condition scoring, neighbourhood intelligence, and market valuation data — giving you a complete picture before you visit. Compare rental yield, price per square metre, and location strength against the broader Portuguese market to assess whether this property fits your investment strategy.
3-bedroom, 2-bathroom apartment of 99 m² on the 1st floor, energy rating C. Located on avenida General Humberto Delgado, Santa Maria, São Pedro e Matacães parish, Torres Vedras municipality, Lisbon district. Property Features: This apartment boasts two well-positioned balconies overlooking General Humberto Delgado Avenue, enhancing outdoor enjoyment and potential for natural light throughout the living spaces.
The valuation. The asking price of €320,000 is slightly below the fair value of €327,404, indicating the property is subvalorizada by €7,404 (2.3%). This presents a favorable entry point for potential investors. Buy-to-flip angle. Investors could implement a resale strategy focusing on value-add renovations to enhance appeal and marketability, potentially increasing the resale price above the fair value. With strategic improvements, a successful flip could yield significant returns. Buy-to-let angle. The property offers a gross yield of 3.3%, suggesting a stable rental income of approximately €880 per month, making it an attractive option for long-term rental investment in a small town setting.
Fair value modelled at €327,404 from the area baseline, adjusted for condition and location. Asking €320,000 sits €7,404 (2.3%) below — the upside to fair value.
Asking €320,000 versus the avenida General Humberto Delgado area baseline of €339,966 (€3,434/m²) for a median-condition unit of this size — the gap before quality adjustments.
AI Condition Index 66/100 (Condition 65 · Materials 68 · Room dimensions 68). Below-median condition lowers fair value versus a renovated baseline unit.
Neighbourhood score 51/100 (Housing Market 50 · Amenities 55 · Economic 55 · Tenant Quality 45). Strong amenities and housing-market momentum support a premium to baseline.
avenida General Humberto Delgado
Area baseline €339,966 + condition -€13,922 + location +€1,360 = modelled fair value of €327,404 (€3,307/m²), a €7,404 (2.3%) gap versus the €320,000 asking price.
Buy-and-hold The 3-bed apartment in Santa Maria is subvalorizada at €320,000, presenting an opportunity for steady appreciation, especially given its fair value is slightly higher at €327,404. With a gross yield of 3.3%, this strategy can generate a reliable passive income while the property’s value potentially increases over time. Long-term rental The property’s attractive location, despite limited urban amenities, allows for long-term rental potential, benefiting from the low competition in the local housing market. With a solid yield of 3.3%, this strategy aligns well with the current pricing, making it viable for sustained cash flow. Value-add renovation Although the apartment has a condition rating of 66/100, there is room for improvement through targeted renovations, making it a suitable candidate for value-add strategies. Given its current market position as subvalorizada, investing in upgrades could yield significant returns in both property value and rental income.
Economic Reliance Risk The property has an economic stability score of 55/100, indicating potential vulnerability to local market downturns, while the tenant stability score of 45/100 suggests a higher likelihood of tenant turnover and associated vacancy costs.
