Terraced house in Torralta, Lagos Cidade, Lagos
Terraced house in Torralta, Lagos Cidade, Lagos — image 2Terraced house in Torralta, Lagos Cidade, Lagos — image 3Terraced house in Torralta, Lagos Cidade, Lagos — image 4Terraced house in Torralta, Lagos Cidade, Lagos — image 5
Grade B+villamid-range

Terraced house in Torralta, Lagos Cidade, Lagos

Lagos · Western Algarve ·

€763,999

Asking Price (EUR)

5.0%

True Net Yield (Owner, all-in)

3.5%

True Net Yield (Managed, all-in)

7.7%

True Gross Yield

56%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 2 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: €66,988/yr
Average Daily Rate: €327
Payback Period: 14.2 years
5-yr Capital Value: €1.0M
10-yr Capital Value: €1.2M
Brixfox Score: 69.3 / 100
Comparable Properties: 53
Data Confidence: 92%
Search Radius: 2 km

True Investment Cost

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

€873,261

+14.3% over asking

Asking price€763,999
IMT — Property transfer tax (investment schedule)€45,840
IS — Stamp duty (0.8%)€6,112
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€11,460
Total acquisition costs€64,662
Renovation (est. €55/m² × 180 m²)
Light touch-ups — paint, fixtures, deep clean.		€9,900
(€5,400–€14,400)
Furnishing & STR launch (3bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€34,700
All-in investment (incl. renovation & furnishing)€873,261

Gross yield (asking price)

8.8%

True gross yield (all-in)

7.7%

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: 3
Building: 180 m²
Style: portuguese-traditional
Condition: good
Year Built: 2009
Energy Certificate: C
Private Pool
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

private pool with integrated jacuzzitraditional Portuguese architectureproximity to beach

Score Breakdown

ROI
18.61
Visual Appeal
10
Ownership Security
13
Location
10.44
Land & Space
5.6
Rental Demand
5.61
Payback Speed
3
STR Suitability
3

Description

Stunning Corner 3-Bedroom Townhouse – Just Steps from Porto de Mós Beach Discover this beautiful corner 3-bedroom townhouse, ideally located in the sought-after Porto de Mós area of Lagos, just a short stroll from the stunning Porto de Mós beach. A fantastic opportunity for those seeking comfort, quality, and a prim

Location

📍 37.0909°N, 8.6784°W

· Lagos, Algarve, Portugal

View on Red Rock Realty →Also on Idealista.pt
Idealista.pt
Lagos / Western Algarve

Terraced house in Torralta, Lagos Cidade, Lagos

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

Grade B+ investment — short-term rental yields 5.9% 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
+11.4%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$211K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
5.9%
$4,084/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
8 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
16.9 yr
Rental only

Property details

Year built: 2009
Energy: C
Condition: good

Description

Stunning Corner 3-Bedroom Townhouse – Just Steps from Porto de Mós Beach Discover this beautiful corner 3-bedroom townhouse, ideally located in the sought-after Porto de Mós area of Lagos, just a short stroll from the stunning Porto de Mós beach. A fantastic opportunity for those seeking comfort, quality, and a prim

Income Breakdown

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Nightly Rate (ADR)
$474/night
50% ($218)Brixfox estimate($474/night)200% ($872)
Occupancy
56%
10%Brixfox estimate(56%)100%

Short-Term Rental

Yearly income
$49,005
Airbnb data$474/night · 56% occupancy
Rental income
$474/night · 56% occ.
$97,036
Running costs (20%)
Utilities, cleaning, maintenance
-$19,407
Income tax (10%)
Indonesian rental income tax
-$27,170
Property tax
Annual property tax
-$1,453
Net income
5.9% ROI
$49,005

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$830,434
IMT (transfer tax, investment schedule)$49,826
Imposto de Selo (stamp duty)$6,643
Notary & registration$1,359
Legal / due diligence$12,457
Total acquisition costs$70,285
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$10,761
($5,870–$15,652)
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$35,543
All-in investment$947,023

Gross yield (asking)

11.7%

True gross yield (all-in)

10.2%

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.

$5.3M$4.0M$2.7M$1.3M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $764K
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 14: 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
$930K
+22%
Rental Income
+$239K
Total Position
$1.2M
+53%
8.9%/yr
Year 10
Capital Value
$1.1M
+48%
Rental Income
+$517K
Total Position
$1.6M
+116%
8.0%/yr
Year 20
Capital Value
$1.7M
+119%
Rental Income
+$1.2M
Total Position
$2.9M
+278%
6.9%/yr
Year 30
Capital Value
$2.5M
+224%
Rental Income
+$2.1M
Total Position
$4.6M
+505%
6.2%/yr

Location

Lagos

Western Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Good
5.9% annual return
Occupancy
Average
56% average occupancy
Nightly Rate
Strong
$436 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 $436 — 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 56% — 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

36% occ.
5.1%
$3,520/mo
46% occ.
6.5%
$4,530/mo
56% occ.
8.0%
$5,539/mo
current
66% occ.
9.5%
$6,549/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.