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 81 m², built in 1975. Located on rua São Francisco Xavier, 8, Santa Iria de Azóia, São João da Talha e Bobadela parish, Loures municipality, Lisbon district. Unique feature: The property has been successfully converted into two independent one-bedroom apartments, allowing for dual rental income from one investment. Location advantage: High demand area with nearby transport and services ensures strong occupancy rates.
The valuation. The asking price of €320,000 is significantly above the fair value of €140,393, resulting in an overpricing of €179,607 (56.1%). This discrepancy highlights the property as overpriced and not aligned with market realities.
Fair value modelled at €140,393 from the area baseline, adjusted for condition and location. Asking €320,000 sits €179,607 (56.1%) above — overpriced versus fair value.
Asking €320,000 versus the rua São Francisco Xavier, 8 area baseline of €173,826 (€2,146/m²) for a median-condition unit of this size — the gap before quality adjustments.
AI Condition Index 34/100 (Condition 25 · Materials 30 · Room dimensions 50). Below-median condition lowers fair value versus a renovated baseline unit.
Neighbourhood score 76/100 (Housing Market 80 · Amenities 70 · Economic 75 · Tenant Quality 80). Strong amenities and housing-market momentum support a premium to baseline.
rua São Francisco Xavier, 8
Area baseline €173,826 + condition -€51,511 + location +€18,078 = modelled fair value of €140,393 (€1,733/m²), a €179,607 (56.1%) gap versus the €320,000 asking price.
Long-term rental The property is currently overpriced by 56.1% relative to its fair value, which significantly hampers its potential as a long-term rental investment. With a gross yield of only 3.5% and a condition rating of 34/100, it is unlikely to attract high-quality tenants consistently. Family rental Although the neighborhood scores well at 76/100, indicating decent amenities and tenant quality, the property remains overpriced at €320,000. This mispricing results in a yield that does not justify the investment, especially when the fair value is substantially lower. Buy-and-hold Investing in this apartment as a buy-and-hold strategy is not advisable due to its price being 56.1% above fair value, which distorts the potential appreciation. Additionally, the property’s condition score of 34/100 suggests significant ongoing maintenance costs, further reducing its attractiveness as a long-term asset.
Economic downturn risk A potential economic downturn could affect the local market, given the economic stability score of 75, which may lead to reduced rental demand or falling property values.
