Taxes, Legal & Cross-Border13 min read
Getting a mortgage in Portugal as a foreigner
What Portuguese banks lend a non-resident: the 90% and 80% central-bank ceilings, the 50% effort rate, Euribor in August 2026, and the full cost stack.
Peter Marci
Moradia com Terreno e Potencial de Construção nos Açores
Vila do Porto, República Portuguesa
€225,000
€3,516/m²
3
rooms
64
m²
0
floor
3
rooms
64
m²
0
floor
Good
Condition
1030 m²
Land Area
Garden
Amenities · 530 m²
More in Vila do Porto
59 more in Vila do Porto →Visit
Schedule a viewing
When would you like to visit?
Pick one or more times that suit you. The agent will confirm the exact slot.
Takes under a minute · The agent confirms your slot.
Overview
Highlights
Key Parameters
Layout:3+kk
Rooms:3
Condition:Good
Ownership:personal
Garage
Parking
Description
Descubra esta encantadora moradia T3, localizada na serena freguesia de Santo Espírito, Vila do Porto, Santa Maria, nos Açores. Com uma área de 64 m² e inserida num terreno urbano de 530 m², esta propriedade oferece um estilo de vida tranquilo e a oportunidade única de expansão.
A moradia principal, com 2 quartos, sala, cozinha e WC, complementa-se com uma garagem para um carro e um anexo independente com cozinha e WC, ideal para hóspedes ou rentabilização.
**Principais Destaques:** * Moradia T3 com área útil de 64 m² * Terreno urbano com 530 m² e viabilidade de construção * Anexo adicional com cozinha e WC * Jardim envolvente para lazer * Garagem para 1 carro
O terreno rústico adjacente, com 500 m² e viabilidade de construção, abre um leque de possibilidades para novos projetos habitacionais ou de investimento, tornando esta propriedade um bem valioso.
Situada numa zona calma e residencial, com proximidade a serviços essenciais e bons acessos, esta casa é perfeita para quem procura habitação, um refúgio de férias ou uma oportunidade de investimento com futuro garantido. Não perca a chance de visitar este imóvel único!
Specs
All details
Building
Floor:0
Land Area:1030 m²
Amenities
Garden(530 m²)
Cellar
Garage
Parking
Location
What's nearby
Score
Seeki Score
Location Quality
32/100🚇
22Transit
Metro, tram & bus proximity
🏪
0Amenities
Shops, pharmacies & services
👨👩👧
0Family
Schools, parks & playgrounds
🚶
14Walkability
Pedestrian-friendly streets
🎭
0Cultural
Museums, theatres & venues
🔇
100Noise Level
Environmental noise levels (EEA)
🌊
100Flood Risk
Flood zone classification
📈
61Economic Health
Regional GDP & employment
🌬️
N/AAir Quality
Air pollution levels (EEA data)
🌳
N/AGreen Space
Parks & green areas nearby
Listing Quality
B+Completeness
Key property fields filled in
62
Description
Listing text length & detail
75
Photos
Number of property images
100
Listed 4 months ago · 2 views
Updated August 19, 2026
Costs
Financing
€912/mo
Est. mortgage · 20% down · 30 yrs · 4.5%
Numbers looking good? See it in person.
Market
Price & market
Price History
€225,000· €3,516/m²May 15, 2026
Listed for saleMarket Trend
No market data available
Compare
Also listed on
AI detected this property was also published on
IDEALISTA_PT€225,000
Ready to take a look?
Pick a time that suits you. The agent confirms the slot.
From the Seeki blog
Peter Marci
Taxes, Legal & Cross-Border16 min read
Portugal's property pathway after the Golden Visa: 2026
Portugal closed the Golden Visa property route in October 2023. What's left for residency-by-investment seekers, and what a Portuguese home still gets you.
Peter Marci
Market Data & Prices10 min read
Average house prices by country in Europe (2026)
Average house prices by country in Europe: median €/m² and prices for apartments and houses in 12 countries, from live Seeki.eu listings, August 2026.
Peter Marci
Taxes, Legal & Cross-Border14 min read
Easiest European country to buy property as a foreigner
Ranked on permits, all-in costs, timelines and remote completion. Czechia leads for most foreign buyers, and four markets still gate a non-EU passport.
Peter Marci
Market Data & Prices12 min read
Property prices compared: 30 European cities, Q3 2026
Median asking prices per square metre for 30 European cities, ranked cheapest to dearest, from live Seeki.eu apartment listings in August 2026.
Peter Marci
Market Data & Prices9 min read
What €200,000 buys you across Europe
Real asking-price data for 20 European cities: how much apartment €200,000 buys, where it clears the median, and each city's Seeki.eu location score.
Peter Marci
Taxes, Legal & Cross-Border18 min read
Non-resident property buying rules in Europe: 12 countries
Can non-EU citizens buy property in Europe? In 8 of 12 countries, yes, with no permit. The four that gate foreign buyers, plus the taxes and IDs to expect.
Peter Marci
Buying Guides19 min read
The True Cost of Buying a Home in Europe (2026)
What buying a home really costs across 12 European countries: median prices from live listings, plus the transfer taxes and fees that add 1% to 16% on top.
Peter Marci
Taxes, Legal & Cross-Border12 min read
Can foreigners get a mortgage in the EU? Country guide
Country-by-country guide to non-resident mortgages across 10 EU markets, who lends, typical LTV, loan currency, and the hurdles each country adds.
Peter Marci
Market Data & Prices7 min read
Renovated vs fixer-upper: Europe's price gap
How much more do renovated apartments ask than fixer-uppers across Europe, city by city, and where the condition gap nearly vanishes.
Peter Marci
Renting9 min read
What €1,000 a month rents across Europe
Real asking-rent data for 20 European cities: how many square metres €1,000 a month rents, ranked, plus each city's Seeki.eu location score.
Peter Marci
Smarter Property Search11 min read
Best websites to search for property in Europe (2026)
Which property websites actually cover more than one European country, which go deepest in a single market, and how to pick between them as a cross-border buyer.
Peter Marci