Semi-detached house in Centro, Lagos Cidade, Lagos
Semi-detached house in Centro, Lagos Cidade, Lagos — image 2Semi-detached house in Centro, Lagos Cidade, Lagos — image 3Semi-detached house in Centro, Lagos Cidade, Lagos — image 4Semi-detached house in Centro, Lagos Cidade, Lagos — image 5
Grade B+villabudget

Semi-detached house in Centro, Lagos Cidade, Lagos

Lagos · Western Algarve ·

€650,000

Asking Price (EUR)

6.2%

True Net Yield (Owner, all-in)

4.3%

True Net Yield (Managed, all-in)

9.6%

True Gross Yield

51%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.3 months ago and is currently at 11% maturity. Yields shown apply a conservative calibration (realised-ADR factor 0.73, occupancy cap 66%) that auto-fades to full fidelity by April 2027.

Projected Gross Revenue: €73,946/yr
Average Daily Rate: €400
Payback Period: 10.7 years
5-yr Capital Value: €854,090
10-yr Capital Value: €1.0M
Brixfox Score: 69.3 / 100
Comparable Properties: 12
Data Confidence: 81%
Search Radius: 2 km

True Investment Cost

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

€773,450

+19.0% over asking

Asking price€650,000
IMT — Property transfer tax (investment schedule)€39,000
IS — Stamp duty (0.8%)€5,200
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€9,750
Total acquisition costs€55,200
Renovation (est. €350/m² × 122 m²)
Cosmetic refresh — flooring, paint, bathroom & kitchen updates.		€42,700
(€30,500–€54,900)
Furnishing & STR launch (4bd × €2500 base, budget tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€25,550
All-in investment (incl. renovation & furnishing)€773,450

Gross yield (asking price)

11.4%

True gross yield (all-in)

9.6%

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: 4
Bathrooms: 2
Building: 122 m²
Land: 61 m²
Style: dated
Condition: fair
Year Built: 1977
Energy Certificate: D

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

bright turquoise exterioropen-plan living/dining/kitchen

Score Breakdown

ROI
22.15
Visual Appeal
10
Ownership Security
13
Location
10.44
Land & Space
1.64
Rental Demand
5.06
Payback Speed
4
STR Suitability
3

Description

Situated in the historic centre, next to the city walls and a short distance from the main avenue and the beaches of Batata and D. ª Ana, this villa stands out for its strategic location one of the most sought-after factors for prospective investors. A two-storey property with a traditional layout, it features 4 bedro

Location

📍 37.0989°N, 8.6724°W

· Lagos, Algarve, Portugal

View on ERA Lagos →Also on Idealista.pt
Idealista.pt
Lagos / Western Algarve

Semi-detached house in Centro, Lagos Cidade, Lagos

Inventory
4 Beds
Bathrooms
2 Baths
Built Area
122 m²
Land Plot
61 m²
Tenure
Freehold
Yield Curve Status

Grade B+ investment — short-term rental yields 7.9% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score69
GradeB+
Brixfox Intelligence
69B+Strong
Score Breakdown
ROI & Yield76%
Capital Growth72%
Risk Profile71%
Market Demand69%

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
+13.4%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$180K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
7.9%
$4,646/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
12.7 yr
Rental only

Property details

Year built: 1977
Energy: D
Condition: fair

Description

Situated in the historic centre, next to the city walls and a short distance from the main avenue and the beaches of Batata and D. ª Ana, this villa stands out for its strategic location one of the most sought-after factors for prospective investors. A two-storey property with a traditional layout, it features 4 bedro

Income Breakdown

Adjust Forecast

Customize your projections
Nightly Rate (ADR)
$593/night
50% ($273)Brixfox estimate($593/night)200% ($1092)
Occupancy
51%
10%Brixfox estimate(51%)100%

Short-Term Rental

Yearly income
$55,756
Airbnb data$593/night · 51% occupancy
Rental income
$593/night · 51% occ.
$109,601
Running costs (20%)
Utilities, cleaning, maintenance
-$21,920
Income tax (10%)
Indonesian rental income tax
-$30,688
Property tax
Annual property tax
-$1,236
Net income
7.9% ROI
$55,756

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$706,522
IMT (transfer tax, investment schedule)$42,391
Imposto de Selo (stamp duty)$5,652
Notary & registration$1,359
Legal / due diligence$10,598
Total acquisition costs$60,000
Renovation (~$380/m²)
Cosmetic refresh — flooring, paint, bathroom & kitchen updates.		$46,413
($33,152–$59,674)
Furnishing & STR launch
4bd × $2,717 base + appliances, electronics, outdoor, licence, photography, linens.		$25,598
All-in investment$838,533

Gross yield (asking)

15.5%

True gross yield (all-in)

13.1%

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.

$5.2M$3.9M$2.6M$1.3M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $650K
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 11: 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
$791K
+22%
Rental Income
+$272K
Total Position
$1.1M
+64%
10.3%/yr
Year 10
Capital Value
$962K
+48%
Rental Income
+$588K
Total Position
$1.6M
+138%
9.1%/yr
Year 20
Capital Value
$1.4M
+119%
Rental Income
+$1.4M
Total Position
$2.8M
+331%
7.6%/yr
Year 30
Capital Value
$2.1M
+224%
Rental Income
+$2.4M
Total Position
$4.5M
+600%
6.7%/yr

Location

Lagos

Western Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Good
7.9% annual return
Occupancy
Average
51% average occupancy
Nightly Rate
Strong
$546 per night
Visual Appeal
Weak
3/10 instagrammability
Size & Space
Weak
61 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $546 — 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 51% — 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

31% occ.
6.4%
$3,763/mo
41% occ.
8.5%
$5,027/mo
51% occ.
10.7%
$6,290/mo
current
61% occ.
12.8%
$7,554/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.