Semi-detached house in Ferrel, Luz
Semi-detached house in Ferrel, Luz — image 2Semi-detached house in Ferrel, Luz — image 3Semi-detached house in Ferrel, Luz — image 4Semi-detached house in Ferrel, Luz — image 5
Grade B+villamid-range

Semi-detached house in Ferrel, Luz

Lagos · Western Algarve ·

€349,000

Asking Price (EUR)

4.7%

True Net Yield (Owner, all-in)

3.2%

True Net Yield (Managed, all-in)

7.2%

True Gross Yield

46%

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: €28,672/yr
Average Daily Rate: €172
+22.0% vs area baselineModern/contemporary style (+12%), Has pool (0%), Has view (+10%)
Payback Period: 15.2 years
5-yr Capital Value: €458,581
10-yr Capital Value: €557,934
Brixfox Score: 65.8 / 100
Comparable Properties: 15
Data Confidence: 84%
Search Radius: 2 km

True Investment Cost

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

€398,027

+14.0% over asking

Asking price€349,000
IMT — Property transfer tax (investment schedule)€15,750
IS — Stamp duty (0.8%)€2,792
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€5,235
Total acquisition costs€25,027
Renovation€0 — move-in ready
Furnishing & STR launch (1bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€24,000
All-in investment (incl. renovation & furnishing)€398,027

Gross yield (asking price)

8.2%

True gross yield (all-in)

7.2%

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: 1
Bathrooms: 1
Building: 105 m²
Style: contemporary
Condition: excellent
Year Built: 2009
Energy Certificate: D
Private Pool
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

thatched umbrellasblue and white striped sofaoutdoor dining area

Score Breakdown

ROI
17.9
Visual Appeal
11.8
Ownership Security
13
Location
8.4
Land & Space
4.1
Rental Demand
4.58
Payback Speed
3
STR Suitability
3

Description

Ref. M058-1 PRAIA DA LUZ - FERREL Semi-detached 1 bedroom villa in a luxury resort, fully furnished and elegantly decorated with a country touch in a quiet location. This villa consists of a living room and kitchen in open plan, which opens onto a wonderful private patio, perfect for enjoying nature and this idyllic

Location

📍 37.1071°N, 8.7214°W

· Lagos, Algarve, Portugal

View on Local Properties →Also on Idealista.pt
Idealista.pt
Lagos / Western Algarve

Semi-detached house in Ferrel, Luz

Inventory
1 Beds
Bathrooms
1 Baths
Built Area
105 m²
Land Plot
0 m²
Tenure
Freehold
Yield Curve Status

Grade B+ investment — short-term rental yields 5.5% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score66
GradeB+
Brixfox Intelligence
66B+Strong
Score Breakdown
ROI & Yield73%
Capital Growth69%
Risk Profile68%
Market Demand66%

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
+11.0%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$96K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
5.5%
$1,740/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
18.2 yr
Rental only

Property details

Year built: 2009
Energy: D
Condition: excellent

Description

Ref. M058-1 PRAIA DA LUZ - FERREL Semi-detached 1 bedroom villa in a luxury resort, fully furnished and elegantly decorated with a country touch in a quiet location. This villa consists of a living room and kitchen in open plan, which opens onto a wonderful private patio, perfect for enjoying nature and this idyllic

Income Breakdown

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Nightly Rate (ADR)
$248/night
50% ($114)Brixfox estimate($248/night)200% ($457)
Occupancy
46%
10%Brixfox estimate(46%)100%

Short-Term Rental

Yearly income
$20,885
Airbnb data$248/night · 46% occupancy
Rental income
$248/night · 46% occ.
$41,440
Running costs (20%)
Utilities, cleaning, maintenance
-$8,288
Income tax (10%)
Indonesian rental income tax
-$11,603
Property tax
Annual property tax
-$664
Net income
5.5% ROI
$20,885

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$379,348
IMT (transfer tax, investment schedule)$17,120
Imposto de Selo (stamp duty)$3,035
Notary & registration$1,359
Legal / due diligence$5,690
Total acquisition costs$27,203
RenovationMove-in ready
Furnishing & STR launch
1bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$23,913
All-in investment$430,464

Gross yield (asking)

10.9%

True gross yield (all-in)

9.6%

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.

$2.4M$1.8M$1.2M$588K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $349K
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 10: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$425K
+22%
Rental Income
+$102K
Total Position
$527K
+51%
8.6%/yr
Year 10
Capital Value
$517K
+48%
Rental Income
+$220K
Total Position
$737K
+111%
7.8%/yr
Year 20
Capital Value
$765K
+119%
Rental Income
+$516K
Total Position
$1.3M
+267%
6.7%/yr
Year 30
Capital Value
$1.1M
+224%
Rental Income
+$914K
Total Position
$2.0M
+486%
6.1%/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
Good
5.5% annual return
Occupancy
Average
46% average occupancy
Nightly Rate
Strong
$228 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

Premium nightly rate of $228 — 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 46% — 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.
4.8%
$1,530/mo
40% occ.
6.5%
$2,058/mo
46% occ.
7.5%
$2,362/mo
current
56% occ.
9.1%
$2,890/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.