Semi-detached house in Almádena, Luz
Semi-detached house in Almádena, Luz — image 2Semi-detached house in Almádena, Luz — image 3Semi-detached house in Almádena, Luz — image 4Semi-detached house in Almádena, Luz — image 5
Grade Bvillamid-range

Semi-detached house in Almádena, Luz

Lagos · Western Algarve ·

€385,000

Asking Price (EUR)

4.8%

True Net Yield (Owner, all-in)

3.3%

True Net Yield (Managed, all-in)

7.4%

True Gross Yield

35%

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: €33,356/yr
Average Daily Rate: €262
-10.0% vs area baselineImage quality 6/10 (-3%), Portuguese-traditional style (+5%), No pool (-12%)
Payback Period: 14.3 years
5-yr Capital Value: €505,884
10-yr Capital Value: €615,486
Brixfox Score: 59.9 / 100
Comparable Properties: 16
Data Confidence: 75%
Search Radius: 3 km

True Investment Cost

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

€452,975

+17.7% over asking

Asking price€385,000
IMT — Property transfer tax (investment schedule)€18,630
IS — Stamp duty (0.8%)€3,080
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€5,775
Total acquisition costs€28,735
Renovation (est. €55/m² × 128 m²)
Light touch-ups — paint, fixtures, deep clean.		€7,040
(€3,840–€10,240)
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)€452,975

Gross yield (asking price)

8.7%

True gross yield (all-in)

7.4%

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: 3
Bathrooms: 2
Building: 128 m²
Land: 85 m²
Style: portuguese-traditional
Condition: good
Year Built: 1986
Energy Certificate: E

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

fireplace

Score Breakdown

ROI
18.52
Visual Appeal
8.2
Ownership Security
13
Location
8.4
Land & Space
2.25
Rental Demand
3.49
Payback Speed
3
STR Suitability
3

Description

Renovated Home in the heart of Almadena Beautifully renovated townhouse located in the heart of Almádena village, combining traditional character with modern finishes. The ground floor features an open-plan living and dining area with a cosy wood-burning fireplace, a fully equipped contemporary kitchen with quality app

Location

📍 37.0967°N, 8.7669°W

· Lagos, Algarve, Portugal

View on Engel & Völkers Lagos →Also on Idealista.pt
Idealista.pt
Lagos / Western Algarve

Semi-detached house in Almádena, Luz

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

Grade B investment — short-term rental yields 5.8% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score60
GradeB
Brixfox Intelligence
60BStrong
Score Breakdown
ROI & Yield66%
Capital Growth63%
Risk Profile62%
Market Demand60%

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
+11.4%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$106K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
5.8%
$2,040/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
17.1 yr
Rental only

Property details

Year built: 1986
Energy: E
Condition: good

Description

Renovated Home in the heart of Almadena Beautifully renovated townhouse located in the heart of Almádena village, combining traditional character with modern finishes. The ground floor features an open-plan living and dining area with a cosy wood-burning fireplace, a fully equipped contemporary kitchen with quality app

Income Breakdown

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Nightly Rate (ADR)
$381/night
50% ($175)Brixfox estimate($381/night)200% ($701)
Occupancy
35%
10%Brixfox estimate(35%)100%

Short-Term Rental

Yearly income
$24,479
Airbnb data$381/night · 35% occupancy
Rental income
$381/night · 35% occ.
$48,484
Running costs (20%)
Utilities, cleaning, maintenance
-$9,697
Income tax (10%)
Indonesian rental income tax
-$13,575
Property tax
Annual property tax
-$732
Net income
5.8% ROI
$24,479

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$418,478
IMT (transfer tax, investment schedule)$20,250
Imposto de Selo (stamp duty)$3,348
Notary & registration$1,359
Legal / due diligence$6,277
Total acquisition costs$31,234
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$7,652
($4,174–$11,130)
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$32,826
All-in investment$490,190

Gross yield (asking)

11.6%

True gross yield (all-in)

9.9%

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.

$2.7M$2.0M$1.3M$667K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $385K
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 15: rental income alone has repaid the full purchase price.
2x return
Year 9: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$468K
+22%
Rental Income
+$120K
Total Position
$588K
+53%
8.8%/yr
Year 10
Capital Value
$570K
+48%
Rental Income
+$258K
Total Position
$828K
+115%
8.0%/yr
Year 20
Capital Value
$844K
+119%
Rental Income
+$605K
Total Position
$1.4M
+276%
6.9%/yr
Year 30
Capital Value
$1.2M
+224%
Rental Income
+$1.1M
Total Position
$2.3M
+503%
6.2%/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
5.8% annual return
Occupancy
Weak
35% average occupancy
Nightly Rate
Strong
$350 per night
Visual Appeal
Average
4/10 instagrammability
Size & Space
Weak
85 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $350 — 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 35% — 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.
6.8%
$2,372/mo
40% occ.
9.1%
$3,183/mo
35% occ.
7.9%
$2,767/mo
current
45% occ.
10.3%
$3,578/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.