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

Semi-detached house in Montinhos da Luz, Luz

Lagos · Western Algarve ·

€750,000

Asking Price (EUR)

3.0%

True Net Yield (Owner, all-in)

2.1%

True Net Yield (Managed, all-in)

4.6%

True Gross Yield

59%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.7 months ago and is currently at 14% maturity. Yields shown apply a conservative calibration (realised-ADR factor 0.74, occupancy cap 66%) that auto-fades to full fidelity by April 2027.

Projected Gross Revenue: €38,981/yr
Average Daily Rate: €182
Payback Period: 23.7 years
5-yr Capital Value: €985,489
10-yr Capital Value: €1.2M
Brixfox Score: 66.8 / 100
Comparable Properties: 84
Data Confidence: 90%
Search Radius: 2 km

True Investment Cost

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

€849,150

+13.2% over asking

Asking price€750,000
IMT — Property transfer tax (investment schedule)€45,000
IS — Stamp duty (0.8%)€6,000
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€11,250
Total acquisition costs€63,500
Renovation (est. €55/m² × 160 m²)
Light touch-ups — paint, fixtures, deep clean.		€8,800
(€4,800–€12,800)
Furnishing & STR launch (2bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€26,850
All-in investment (incl. renovation & furnishing)€849,150

Gross yield (asking price)

5.2%

True gross yield (all-in)

4.6%

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: 2
Bathrooms: 3
Building: 160 m²
Land: 462 m²
Style: portuguese-traditional
Condition: good
Year Built: 2008
Energy Certificate: C

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

cobblestone driveway and patiobougainvillea facadefireplace

Score Breakdown

ROI
14.27
Visual Appeal
10
Ownership Security
13
Location
8.4
Land & Space
11.24
Rental Demand
5.86
Payback Speed
1
STR Suitability
3

Description

Located just a few minutes' drive from Praia da Luz, in a quiet and exclusive area of Montinhos da Luz, this fantastic villa combines traditional charm with comfort and energy efficiency, offering a true sense of privacy and serenity. On the ground floor there is a bright, fully equipped kitchen with a dining area, whi

Location

📍 37.0875°N, 8.7456°W

· Lagos, Algarve, Portugal

View on Idealista.pt
Idealista.pt
Lagos / Western Algarve

Semi-detached house in Montinhos da Luz, Luz

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

Grade B+ investment — short-term rental yields 3.5% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score67
GradeB+
Brixfox Intelligence
67B+Strong
Score Breakdown
ROI & Yield74%
Capital Growth70%
Risk Profile69%
Market Demand67%

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
+9.0%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$207K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
3.5%
$2,355/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
10 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
28.8 yr
Rental only

Property details

Year built: 2008
Energy: C
Condition: good

Description

Located just a few minutes' drive from Praia da Luz, in a quiet and exclusive area of Montinhos da Luz, this fantastic villa combines traditional charm with comfort and energy efficiency, offering a true sense of privacy and serenity. On the ground floor there is a bright, fully equipped kitchen with a dining area, whi

Income Breakdown

Adjust Forecast

Customize your projections
Nightly Rate (ADR)
$267/night
50% ($123)Brixfox estimate($267/night)200% ($492)
Occupancy
59%
10%Brixfox estimate(59%)100%

Short-Term Rental

Yearly income
$28,259
Airbnb data$267/night · 59% occupancy
Rental income
$267/night · 59% occ.
$57,088
Running costs (20%)
Utilities, cleaning, maintenance
-$11,418
Income tax (10%)
Indonesian rental income tax
-$15,985
Property tax
Annual property tax
-$1,427
Net income
3.5% ROI
$28,259

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$815,217
IMT (transfer tax, investment schedule)$48,913
Imposto de Selo (stamp duty)$6,522
Notary & registration$1,359
Legal / due diligence$12,228
Total acquisition costs$69,022
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$9,565
($5,217–$13,913)
Furnishing & STR launch
2bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$27,011
All-in investment$920,815

Gross yield (asking)

7.0%

True gross yield (all-in)

6.2%

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.

$4.2M$3.2M$2.1M$1.1M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $750K
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 22: rental income alone has repaid the full purchase price.
2x return
Year 12: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$912K
+22%
Rental Income
+$138K
Total Position
$1.1M
+40%
7.0%/yr
Year 10
Capital Value
$1.1M
+48%
Rental Income
+$298K
Total Position
$1.4M
+88%
6.5%/yr
Year 20
Capital Value
$1.6M
+119%
Rental Income
+$699K
Total Position
$2.3M
+212%
5.9%/yr
Year 30
Capital Value
$2.4M
+224%
Rental Income
+$1.2M
Total Position
$3.7M
+389%
5.4%/yr

Location

Lagos

Western Algarve, Approximate area

Loading Map...

Airbnb Comp Analysis

No nearby Airbnb listings found

Ask Brixfox AI

Conversational analysis — questions about this listing, answered from real data.

Try one of these

Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Average
3.5% annual return
Occupancy
Average
59% average occupancy
Nightly Rate
Strong
$246 per night
Visual Appeal
Good
6/10 instagrammability
Size & Space
Good
462 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $246 — positioned in the top tier
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Yield of 3.5% is near the market average — model your cashflow carefully

Consider carefully. Returns are below market average for this price point.

Risks & What-If

What if occupancy changes?

Owner Managed scenario

39% occ.
3.1%
$2,074/mo
49% occ.
3.9%
$2,642/mo
59% occ.
4.7%
$3,211/mo
current
69% occ.
5.6%
$3,780/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.