T2 flat in Ferragudo, Lagoa (Algarve)
T2 flat in Ferragudo, Lagoa (Algarve) — image 2T2 flat in Ferragudo, Lagoa (Algarve) — image 3T2 flat in Ferragudo, Lagoa (Algarve) — image 4T2 flat in Ferragudo, Lagoa (Algarve) — image 5
Grade B+apartmentluxury

T2 flat in Ferragudo, Lagoa (Algarve)

Lagoa/Carvoeiro · Central Algarve ·

€550,000

Asking Price (EUR)

6.1%

True Net Yield (Owner, all-in)

4.2%

True Net Yield (Managed, all-in)

9.4%

True Gross Yield

43%

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: €59,581/yr
Average Daily Rate: €384
+24.0% vs area baselineImage quality 9/10 (+6%), Modern/contemporary style (+12%), No pool (-12%), Has view (+10%), Luxury finish (+8%)
Payback Period: 11.5 years
5-yr Capital Value: €722,692
10-yr Capital Value: €879,265
Brixfox Score: 74.8 / 100
Comparable Properties: 46
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.

€635,680

+15.6% over asking

Asking price€550,000
IMT — Property transfer tax (investment schedule)€31,830
IS — Stamp duty (0.8%)€4,400
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€8,250
Total acquisition costs€45,730
Renovation€0 — move-in ready
Furnishing & STR launch (2bd × €8000 base, luxury tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€39,950
All-in investment (incl. renovation & furnishing)€635,680

Gross yield (asking price)

10.8%

True gross yield (all-in)

9.4%

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: 2
Bathrooms: 2
Building: 122 m²
Style: contemporary
Condition: new-build
Energy Certificate: A
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

curved kitchen island with fluted panelinglarge sliding glass doors to balcony with sea viewdesigner pendant lighting over dining areaintegrated kitchen appliances

Score Breakdown

ROI
21.15
Visual Appeal
16.6
Ownership Security
13
Location
8.4
Land & Space
4.44
Rental Demand
4.25
Payback Speed
4
STR Suitability
3

Description

2 BEDROOM APARTMENT - TRIPLE EXPOSURE - FIRST FLOOR- 1 UNDERGROUND PARKING SPACE - IN FERRAGUDO The residence is surrounded by a perimeter wall, and automatic doors secure pedestrian access and access to the underground parking areas. The building has 10 apartments over 4 floors, and in order to maximise the tranquill

Location

📍 37.1268°N, 8.5178°W

· Lagoa/Carvoeiro, Algarve, Portugal

View on Algarve Luxury Properties, Lda →Also on Idealista.pt
Idealista.pt
Lagoa/Carvoeiro / Central Algarve

T2 flat in Ferragudo, Lagoa (Algarve)

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

Grade B+ investment — short-term rental yields 7.3% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score75
GradeB+
Brixfox Intelligence
75B+Strong
Score Breakdown
ROI & Yield83%
Capital Growth79%
Risk Profile76%
Market Demand75%

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
+12.9%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$152K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
7.3%
$3,653/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
13.6 yr
Rental only

Property details

Energy: A
Condition: new-build

Description

2 BEDROOM APARTMENT - TRIPLE EXPOSURE - FIRST FLOOR- 1 UNDERGROUND PARKING SPACE - IN FERRAGUDO The residence is surrounded by a perimeter wall, and automatic doors secure pedestrian access and access to the underground parking areas. The building has 10 apartments over 4 floors, and in order to maximise the tranquill

Income Breakdown

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Nightly Rate (ADR)
$556/night
50% ($256)Brixfox estimate($556/night)200% ($1023)
Occupancy
43%
10%Brixfox estimate(43%)100%

Short-Term Rental

Yearly income
$43,832
Airbnb data$556/night · 43% occupancy
Rental income
$556/night · 43% occ.
$86,304
Running costs (20%)
Utilities, cleaning, maintenance
-$17,261
Income tax (10%)
Indonesian rental income tax
-$24,165
Property tax
Annual property tax
-$1,046
Net income
7.3% ROI
$43,832

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$597,826
IMT (transfer tax, investment schedule)$34,598
Imposto de Selo (stamp duty)$4,783
Notary & registration$1,359
Legal / due diligence$8,967
Total acquisition costs$49,707
RenovationMove-in ready
Furnishing & STR launch
2bd × $8,696 base + appliances, electronics, outdoor, licence, photography, linens.		$43,424
All-in investment$690,957

Gross yield (asking)

14.4%

True gross yield (all-in)

12.5%

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 Lagoa/Carvoeiro.

$4.3M$3.2M$2.1M$1.1M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $550K
Capital appreciation
Property value growing at +4%/yr based on Lagoa/Carvoeiro 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 12: 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
$669K
+22%
Rental Income
+$214K
Total Position
$883K
+61%
9.9%/yr
Year 10
Capital Value
$814K
+48%
Rental Income
+$462K
Total Position
$1.3M
+132%
8.8%/yr
Year 20
Capital Value
$1.2M
+119%
Rental Income
+$1.1M
Total Position
$2.3M
+316%
7.4%/yr
Year 30
Capital Value
$1.8M
+224%
Rental Income
+$1.9M
Total Position
$3.7M
+573%
6.6%/yr

Location

Lagoa/Carvoeiro

Central Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Good
7.3% annual return
Occupancy
Weak
43% average occupancy
Nightly Rate
Strong
$512 per night
Visual Appeal
Strong
9/10 instagrammability
Size & Space
Weak
0 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $512 — positioned in the top tier
Stunning visuals with 9/10 instagrammability — commands premium nightly rates
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Occupancy at 43% — 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.
7.0%
$3,464/mo
40% occ.
9.3%
$4,648/mo
43% occ.
9.9%
$4,947/mo
current
53% occ.
12.3%
$6,131/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.