Detached house in Urb. Monte São Pedro, Praia da Luz, Luz
Detached house in Urb. Monte São Pedro, Praia da Luz, Luz — image 2Detached house in Urb. Monte São Pedro, Praia da Luz, Luz — image 3Detached house in Urb. Monte São Pedro, Praia da Luz, Luz — image 4Detached house in Urb. Monte São Pedro, Praia da Luz, Luz — image 5
Grade B+villamid-range

Detached house in Urb. Monte São Pedro, Praia da Luz, Luz

Lagos · Western Algarve ·

€475,000

Asking Price (EUR)

4.5%

True Net Yield (Owner, all-in)

3.1%

True Net Yield (Managed, all-in)

6.9%

True Gross Yield

57%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 2.1 months ago and is currently at 17% 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: €37,659/yr
Average Daily Rate: €181
Payback Period: 15.8 years
5-yr Capital Value: €624,143
10-yr Capital Value: €759,365
Brixfox Score: 68.2 / 100
Comparable Properties: 78
Data Confidence: 89%
Search Radius: 2 km

True Investment Cost

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

€544,530

+14.6% over asking

Asking price€475,000
IMT — Property transfer tax (investment schedule)€25,830
IS — Stamp duty (0.8%)€3,800
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€7,125
Total acquisition costs€38,005
Renovation (est. €55/m² × 85 m²)
Light touch-ups — paint, fixtures, deep clean.		€4,675
(€2,550–€6,800)
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)€544,530

Gross yield (asking price)

7.9%

True gross yield (all-in)

6.9%

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: 1
Building: 85 m²
Land: 180 m²
Style: portuguese-traditional
Condition: good
Energy Certificate: C
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

rooftop terraceshade sailsoutdoor dining arealounge seating

Score Breakdown

ROI
17.55
Visual Appeal
10
Ownership Security
13
Location
10.2
Land & Space
5.7
Rental Demand
5.7
Payback Speed
3
STR Suitability
3

Description

This charming single-story 2+1 bedroom house, located in a quiet area of Praia da Luz, offers a cozy, functional environment surrounded by nature. With a practical layout and several outdoor spaces, it is perfect as a permanent residence, holiday home, or for rental income. Layout and features: - Entrance hall - Brigh

Location

📍 37.0870°N, 8.7290°W

· Lagos, Algarve, Portugal

View on Bravo Homes Algarve →Also on Idealista.pt
Idealista.pt
Lagos / Western Algarve

Detached house in Urb. Monte São Pedro, Praia da Luz, Luz

Inventory
2 Beds
Bathrooms
1 Baths
Built Area
85 m²
Land Plot
180 m²
Tenure
Freehold
Yield Curve Status

Grade B+ investment — short-term rental yields 5.3% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score68
GradeB+
Brixfox Intelligence
68B+Strong
Score Breakdown
ROI & Yield75%
Capital Growth71%
Risk Profile70%
Market Demand68%

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
+10.8%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$131K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
5.3%
$2,283/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
18.9 yr
Rental only

Property details

Energy: C
Condition: good

Description

This charming single-story 2+1 bedroom house, located in a quiet area of Praia da Luz, offers a cozy, functional environment surrounded by nature. With a practical layout and several outdoor spaces, it is perfect as a permanent residence, holiday home, or for rental income. Layout and features: - Entrance hall - Brigh

Income Breakdown

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Nightly Rate (ADR)
$261/night
50% ($120)Brixfox estimate($261/night)200% ($481)
Occupancy
57%
10%Brixfox estimate(57%)100%

Short-Term Rental

Yearly income
$27,390
Airbnb data$261/night · 57% occupancy
Rental income
$261/night · 57% occ.
$54,411
Running costs (20%)
Utilities, cleaning, maintenance
-$10,882
Income tax (10%)
Indonesian rental income tax
-$15,235
Property tax
Annual property tax
-$904
Net income
5.3% ROI
$27,390

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$516,304
IMT (transfer tax, investment schedule)$28,076
Imposto de Selo (stamp duty)$4,130
Notary & registration$1,359
Legal / due diligence$7,745
Total acquisition costs$41,310
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$5,082
($2,772–$7,391)
Furnishing & STR launch
2bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$27,011
All-in investment$589,707

Gross yield (asking)

10.5%

True gross yield (all-in)

9.2%

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.

$3.2M$2.4M$1.6M$788K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $475K
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 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
$578K
+22%
Rental Income
+$134K
Total Position
$712K
+50%
8.4%/yr
Year 10
Capital Value
$703K
+48%
Rental Income
+$289K
Total Position
$992K
+109%
7.6%/yr
Year 20
Capital Value
$1.0M
+119%
Rental Income
+$677K
Total Position
$1.7M
+262%
6.6%/yr
Year 30
Capital Value
$1.5M
+224%
Rental Income
+$1.2M
Total Position
$2.7M
+477%
6.0%/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
Good
5.3% annual return
Occupancy
Average
57% average occupancy
Nightly Rate
Strong
$240 per night
Visual Appeal
Good
6/10 instagrammability
Size & Space
Average
180 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $240 — 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.
4.6%
$1,986/mo
47% occ.
5.9%
$2,542/mo
57% occ.
7.2%
$3,099/mo
current
67% occ.
8.5%
$3,655/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.