Detached house in Beco da Encosta, 2, Chinicato - Sargaçal, Lagos
Detached house in Beco da Encosta, 2, Chinicato - Sargaçal, Lagos — image 2Detached house in Beco da Encosta, 2, Chinicato - Sargaçal, Lagos — image 3Detached house in Beco da Encosta, 2, Chinicato - Sargaçal, Lagos — image 4Detached house in Beco da Encosta, 2, Chinicato - Sargaçal, Lagos — image 5
Grade Avillamid-range

Detached house in Beco da Encosta, 2, Chinicato - Sargaçal, Lagos

Lagos · Western Algarve ·

€405,000

Asking Price (EUR)

7.2%

True Net Yield (Owner, all-in)

5.0%

True Net Yield (Managed, all-in)

11.1%

True Gross Yield

57%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.9 months ago and is currently at 16% maturity. Yields shown apply a conservative calibration (realised-ADR factor 0.75, occupancy cap 67%) that auto-fades to full fidelity by April 2027.

Projected Gross Revenue: €52,015/yr
Average Daily Rate: €250
Payback Period: 9.7 years
5-yr Capital Value: €532,164
10-yr Capital Value: €647,459
Brixfox Score: 75.7 / 100
Comparable Properties: 8
Data Confidence: 75%
Search Radius: 2 km

True Investment Cost

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

€467,995

+15.6% over asking

Asking price€405,000
IMT — Property transfer tax (investment schedule)€20,230
IS — Stamp duty (0.8%)€3,240
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€6,075
Total acquisition costs€30,795
Renovation€0 — move-in ready
Furnishing & STR launch (3bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€32,200
All-in investment (incl. renovation & furnishing)€467,995

Gross yield (asking price)

12.8%

True gross yield (all-in)

11.1%

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: 3
Bathrooms: 3
Building: 250 m²
Land: 275 m²
Style: contemporary
Condition: new-build
Year Built: 2025
Energy Certificate: A+
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

gallery wallchevron pattern rugopen-plan living/dining

Score Breakdown

ROI
23.71
Visual Appeal
10
Ownership Security
13
Location
10.44
Land & Space
5.87
Rental Demand
5.7
Payback Speed
4
STR Suitability
3

Description

Discover this magnificent 3-bedroom villa in Lagos, with a generous area of 275m², ideal for those looking for comfort. With an attractive price tag of €430,000, this property under construction offers an approved project that promises to turn it into a dream home. The house has 3 spacious bedrooms and 2 bathrooms, a

Location

📍 37.1293°N, 8.6701°W

· Lagos, Algarve, Portugal

View on Century21 Realty Art 2 →Also on Idealista.pt
Idealista.pt
Lagos / Western Algarve

Detached house in Beco da Encosta, 2, Chinicato - Sargaçal, Lagos

Inventory
3 Beds
Bathrooms
3 Baths
Built Area
250 m²
Land Plot
275 m²
Tenure
Freehold
Yield Curve Status

Grade A investment — short-term rental yields 8.8% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score76
GradeA
Brixfox Intelligence
76AExcellent
Score Breakdown
ROI & Yield84%
Capital Growth80%
Risk Profile77%
Market Demand76%

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
+14.3%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$112K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
8.8%
$3,216/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
7 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
11.4 yr
Rental only

Property details

Year built: 2025
Energy: A+
Condition: new-build

Description

Discover this magnificent 3-bedroom villa in Lagos, with a generous area of 275m², ideal for those looking for comfort. With an attractive price tag of €430,000, this property under construction offers an approved project that promises to turn it into a dream home. The house has 3 spacious bedrooms and 2 bathrooms, a

Income Breakdown

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Nightly Rate (ADR)
$364/night
50% ($167)Brixfox estimate($364/night)200% ($670)
Occupancy
57%
10%Brixfox estimate(57%)100%

Short-Term Rental

Yearly income
$38,589
Airbnb data$364/night · 57% occupancy
Rental income
$364/night · 57% occ.
$75,690
Running costs (20%)
Utilities, cleaning, maintenance
-$15,138
Income tax (10%)
Indonesian rental income tax
-$21,193
Property tax
Annual property tax
-$770
Net income
8.8% ROI
$38,589

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$440,217
IMT (transfer tax, investment schedule)$21,989
Imposto de Selo (stamp duty)$3,522
Notary & registration$1,359
Legal / due diligence$6,603
Total acquisition costs$33,473
RenovationMove-in ready
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$32,826
All-in investment$506,516

Gross yield (asking)

17.2%

True gross yield (all-in)

14.9%

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 Lagos.

$3.5M$2.6M$1.7M$863K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $405K
Capital appreciation
Property value growing at +4%/yr based on Lagos 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 10: rental income alone has repaid the full purchase price.
2x return
Year 8: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$493K
+22%
Rental Income
+$188K
Total Position
$681K
+68%
11.0%/yr
Year 10
Capital Value
$599K
+48%
Rental Income
+$407K
Total Position
$1.0M
+149%
9.5%/yr
Year 20
Capital Value
$887K
+119%
Rental Income
+$954K
Total Position
$1.8M
+355%
7.9%/yr
Year 30
Capital Value
$1.3M
+224%
Rental Income
+$1.7M
Total Position
$3.0M
+641%
6.9%/yr

Location

Lagos

Western Algarve, Approximate area

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Airbnb Comp Analysis

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Strong
8.8% annual return
Occupancy
Average
57% average occupancy
Nightly Rate
Strong
$335 per night
Visual Appeal
Good
7/10 instagrammability
Size & Space
Average
275 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

High rental yield at 8.8% — outperforms most villas in this market
Premium nightly rate of $335 — 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 57% — 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

37% occ.
7.6%
$2,801/mo
47% occ.
9.7%
$3,576/mo
57% occ.
11.9%
$4,351/mo
current
67% occ.
14.0%
$5,126/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.