Terraced house in Urbanização Quinta Rosal, Caramujeira - Vale d'El Rei - Benagil, Lagoa e Carvoeiro
Terraced house in Urbanização Quinta Rosal, Caramujeira - Vale d'El Rei - Benagil, Lagoa e Carvoeiro — image 2Terraced house in Urbanização Quinta Rosal, Caramujeira - Vale d'El Rei - Benagil, Lagoa e Carvoeiro — image 3Terraced house in Urbanização Quinta Rosal, Caramujeira - Vale d'El Rei - Benagil, Lagoa e Carvoeiro — image 4Terraced house in Urbanização Quinta Rosal, Caramujeira - Vale d'El Rei - Benagil, Lagoa e Carvoeiro — image 5
Grade Bvillamid-range

Terraced house in Urbanização Quinta Rosal, Caramujeira - Vale d'El Rei - Benagil, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€448,000

Asking Price (EUR)

4.1%

True Net Yield (Owner, all-in)

2.9%

True Net Yield (Managed, all-in)

6.4%

True Gross Yield

45%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.5 months ago and is currently at 13% 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: €32,915/yr
Average Daily Rate: €199
+3.0% vs area baselinePortuguese-traditional style (+5%), No pool (-12%), Has view (+10%)
Payback Period: 16.7 years
5-yr Capital Value: €588,665
10-yr Capital Value: €716,201
Brixfox Score: 64.4 / 100
Comparable Properties: 76
Data Confidence: 91%
Search Radius: 2 km

True Investment Cost

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

€516,069

+15.2% over asking

Asking price€448,000
IMT — Property transfer tax (investment schedule)€23,670
IS — Stamp duty (0.8%)€3,584
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€6,720
Total acquisition costs€35,224
Renovation (est. €55/m² × 109 m²)
Light touch-ups — paint, fixtures, deep clean.		€5,995
(€3,270–€8,720)
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)€516,069

Gross yield (asking price)

7.3%

True gross yield (all-in)

6.4%

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: 3
Building: 109 m²
Land: 109 m²
Style: portuguese-traditional
Condition: good
Year Built: 2000
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

traditional white and green exteriorterraced garden areasstar-shaped ceiling light fixture

Score Breakdown

ROI
16.99
Visual Appeal
11.2
Ownership Security
13
Location
10.56
Land & Space
3.08
Rental Demand
4.53
Payback Speed
2
STR Suitability
3

Description

Fully renovated 2+1 bedroom villa in Lagoa. With an area of 109 m², it is located in a quiet, well-maintained resort surrounded by green areas, just a few minutes' drive from the picturesque village of Carvoeiro. Spread over two floors, the villa offers a bright open-plan area on the ground floor that integrates the

Location

📍 37.0940°N, 8.4720°W

· Lagoa/Carvoeiro, Algarve, Portugal

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Lagoa/Carvoeiro / Central Algarve

Terraced house in Urbanização Quinta Rosal, Caramujeira - Vale d'El Rei - Benagil, Lagoa e Carvoeiro

Inventory
2 Beds
Bathrooms
3 Baths
Built Area
109 m²
Land Plot
109 m²
Tenure
Freehold
Yield Curve Status

Grade B investment — short-term rental yields 5.0% net return annually.

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The Investment

Brixfox Score64
GradeB
Brixfox Intelligence
64BStrong
Score Breakdown
ROI & Yield70%
Capital Growth67%
Risk Profile66%
Market Demand64%

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
+10.5%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$124K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
5.0%
$2,029/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
9 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
20.0 yr
Rental only

Property details

Year built: 2000
Condition: good

Description

Fully renovated 2+1 bedroom villa in Lagoa. With an area of 109 m², it is located in a quiet, well-maintained resort surrounded by green areas, just a few minutes' drive from the picturesque village of Carvoeiro. Spread over two floors, the villa offers a bright open-plan area on the ground floor that integrates the

Income Breakdown

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Nightly Rate (ADR)
$293/night
50% ($135)Brixfox estimate($293/night)200% ($539)
Occupancy
45%
10%Brixfox estimate(45%)100%

Short-Term Rental

Yearly income
$24,349
Airbnb data$293/night · 45% occupancy
Rental income
$293/night · 45% occ.
$48,463
Running costs (20%)
Utilities, cleaning, maintenance
-$9,693
Income tax (10%)
Indonesian rental income tax
-$13,570
Property tax
Annual property tax
-$852
Net income
5.0% ROI
$24,349

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$486,957
IMT (transfer tax, investment schedule)$25,728
Imposto de Selo (stamp duty)$3,896
Notary & registration$1,359
Legal / due diligence$7,304
Total acquisition costs$38,287
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$6,516
($3,554–$9,478)
Furnishing & STR launch
2bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$27,011
All-in investment$558,771

Gross yield (asking)

10.0%

True gross yield (all-in)

8.7%

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 Lagoa/Carvoeiro.

$2.9M$2.2M$1.4M$724K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $448K
Capital appreciation
Property value growing at +4%/yr based on Lagoa/Carvoeiro 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.
Paid back
Year 16: rental income alone has repaid the full purchase price.
2x return
Year 10: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$545K
+22%
Rental Income
+$119K
Total Position
$664K
+48%
8.2%/yr
Year 10
Capital Value
$663K
+48%
Rental Income
+$257K
Total Position
$920K
+105%
7.5%/yr
Year 20
Capital Value
$982K
+119%
Rental Income
+$602K
Total Position
$1.6M
+253%
6.5%/yr
Year 30
Capital Value
$1.5M
+224%
Rental Income
+$1.1M
Total Position
$2.5M
+462%
5.9%/yr

Location

Lagoa/Carvoeiro

Central Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Good
5.0% annual return
Occupancy
Average
45% average occupancy
Nightly Rate
Strong
$270 per night
Visual Appeal
Good
6/10 instagrammability
Size & Space
Weak
109 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $270 — positioned in the top tier
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Occupancy at 45% — factor in seasonal gaps

Consider carefully. Returns are below market average for this price point.

Risks & What-If

What if occupancy changes?

Owner Managed scenario

30% occ.
4.4%
$1,801/mo
40% occ.
6.0%
$2,425/mo
45% occ.
6.8%
$2,756/mo
current
55% occ.
8.3%
$3,380/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.