T3 flat in Torralta, Lagos Cidade, Lagos
T3 flat in Torralta, Lagos Cidade, Lagos — image 2T3 flat in Torralta, Lagos Cidade, Lagos — image 3T3 flat in Torralta, Lagos Cidade, Lagos — image 4T3 flat in Torralta, Lagos Cidade, Lagos — image 5
Grade Aapartmentluxury

T3 flat in Torralta, Lagos Cidade, Lagos

Lagos · Western Algarve ·

€695,000

Asking Price (EUR)

7.9%

True Net Yield (Owner, all-in)

5.5%

True Net Yield (Managed, all-in)

12.2%

True Gross Yield

60%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.9 months ago and is currently at 15% 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: €97,982/yr
Average Daily Rate: €448
Payback Period: 8.8 years
5-yr Capital Value: €913,220
10-yr Capital Value: €1.1M
Brixfox Score: 80.7 / 100
Comparable Properties: 44
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.

€805,235

+15.9% over asking

Asking price€695,000
IMT — Property transfer tax (investment schedule)€41,700
IS — Stamp duty (0.8%)€5,560
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€10,425
Total acquisition costs€58,935
Renovation€0 — move-in ready
Furnishing & STR launch (3bd × €8000 base, luxury tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€51,300
All-in investment (incl. renovation & furnishing)€805,235

Gross yield (asking price)

14.1%

True gross yield (all-in)

12.2%

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: 2
Building: 248 m²
Style: modern
Condition: new-build
Year Built: 2026
Energy Certificate: A
Private Pool
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

curved building facadelarge private balconiesintegrated kitchen appliancesminimalist interior design

Score Breakdown

ROI
24.66
Visual Appeal
13.6
Ownership Security
13
Location
10.44
Land & Space
6
Rental Demand
5.99
Payback Speed
4
STR Suitability
3

Description

Discover this amazing three-bedroom apartment located in the picturesque town of Lagos. This property offers a perfect combination of comfort and elegance. Entering the property, you will be greeted by a spacious living room overlooking the pool and manicured gardens. The fully equipped kitchen is perfect for preparin

Location

📍 37.0869°N, 8.6806°W

· Lagos, Algarve, Portugal

View on Zélia Rosa →Also on Idealista.pt
Idealista.pt
Lagos / Western Algarve

T3 flat in Torralta, Lagos Cidade, Lagos

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

Grade A investment — short-term rental yields 9.6% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score81
GradeA
Brixfox Intelligence
81AExcellent
Score Breakdown
ROI & Yield89%
Capital Growth85%
Risk Profile82%
Market Demand81%

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
+15.2%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$192K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
9.6%
$6,073/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
10.4 yr
Rental only

Property details

Year built: 2026
Energy: A
Condition: new-build

Description

Discover this amazing three-bedroom apartment located in the picturesque town of Lagos. This property offers a perfect combination of comfort and elegance. Entering the property, you will be greeted by a spacious living room overlooking the pool and manicured gardens. The fully equipped kitchen is perfect for preparin

Income Breakdown

Adjust Forecast

Customize your projections
Nightly Rate (ADR)
$652/night
50% ($300)Brixfox estimate($652/night)200% ($1200)
Occupancy
60%
10%Brixfox estimate(60%)100%

Short-Term Rental

Yearly income
$72,875
Airbnb data$652/night · 60% occupancy
Rental income
$652/night · 60% occ.
$142,686
Running costs (20%)
Utilities, cleaning, maintenance
-$28,537
Income tax (10%)
Indonesian rental income tax
-$39,952
Property tax
Annual property tax
-$1,322
Net income
9.6% ROI
$72,875

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$755,435
IMT (transfer tax, investment schedule)$45,326
Imposto de Selo (stamp duty)$6,043
Notary & registration$1,359
Legal / due diligence$11,332
Total acquisition costs$64,060
RenovationMove-in ready
Furnishing & STR launch
3bd × $8,696 base + appliances, electronics, outdoor, licence, photography, linens.		$55,761
All-in investment$875,255

Gross yield (asking)

18.9%

True gross yield (all-in)

16.3%

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.

$6.3M$4.7M$3.1M$1.6M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $695K
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 7: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$846K
+22%
Rental Income
+$356K
Total Position
$1.2M
+73%
11.6%/yr
Year 10
Capital Value
$1.0M
+48%
Rental Income
+$769K
Total Position
$1.8M
+159%
10.0%/yr
Year 20
Capital Value
$1.5M
+119%
Rental Income
+$1.8M
Total Position
$3.3M
+378%
8.1%/yr
Year 30
Capital Value
$2.3M
+224%
Rental Income
+$3.2M
Total Position
$5.4M
+683%
7.1%/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
9.6% annual return
Occupancy
Average
60% average occupancy
Nightly Rate
Strong
$600 per night
Visual Appeal
Good
7/10 instagrammability
Size & Space
Weak
0 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

High rental yield at 9.6% — outperforms most villas in this market
Premium nightly rate of $600 — 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 60% — 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

40% occ.
8.6%
$5,437/mo
50% occ.
10.8%
$6,825/mo
60% occ.
13.0%
$8,214/mo
current
70% occ.
15.3%
$9,602/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.