Detached house in Rua da Costa D'Oiro, Praia Dona Ana, Lagos Cidade, Lagos
Detached house in Rua da Costa D'Oiro, Praia Dona Ana, Lagos Cidade, Lagos — image 2Detached house in Rua da Costa D'Oiro, Praia Dona Ana, Lagos Cidade, Lagos — image 3Detached house in Rua da Costa D'Oiro, Praia Dona Ana, Lagos Cidade, Lagos — image 4Detached house in Rua da Costa D'Oiro, Praia Dona Ana, Lagos Cidade, Lagos — image 5
Grade A+villabudget

Detached house in Rua da Costa D'Oiro, Praia Dona Ana, Lagos Cidade, Lagos

Lagos · Western Algarve ·

€980,000

Asking Price (EUR)

11.7%

True Net Yield (Owner, all-in)

8.1%

True Net Yield (Managed, all-in)

17.9%

True Gross Yield

67%

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: €226,740/yr
Average Daily Rate: €931
Payback Period: 5.0 years
5-yr Capital Value: €1.3M
10-yr Capital Value: €1.6M
Brixfox Score: 85.4 / 100
Comparable Properties: 9
Data Confidence: 63%
Search Radius: 6 km

True Investment Cost

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

€1.3M

+28.9% over asking

Asking price€980,000
IMT — Property transfer tax (investment schedule)€58,800
IS — Stamp duty (0.8%)€7,840
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€14,700
Total acquisition costs€82,590
Renovation (est. €900/m² × 191 m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		€171,900
(€133,700–€210,100)
Furnishing & STR launch (5bd × €2500 base, budget tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€28,900
All-in investment (incl. renovation & furnishing)€1.3M

Gross yield (asking price)

23.1%

True gross yield (all-in)

17.9%

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: 5
Bathrooms: 4
Building: 191 m²
Land: 535 m²
Style: dated
Condition: needs-renovation
Year Built: 1979
Energy Certificate: D
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

cobblestone drivewaytraditional portuguese balustradefireplace

Score Breakdown

ROI
25
Visual Appeal
10
Ownership Security
13
Location
10.44
Land & Space
11.73
Rental Demand
7.24
Payback Speed
5
STR Suitability
3

Description

Charming 3-Bedroom Villa + 2 Independent Apartments | Just Minutes from Praia da Dona Ana Set on a peaceful street in Lagos, this charming property offers a rare combination of spacious family living, income potential, and a truly privileged location.   The main house features three spacious bedrooms with parcial sea

Location

📍 37.0878°N, 8.6719°W

· Lagos, Algarve, Portugal

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

Detached house in Rua da Costa D'Oiro, Praia Dona Ana, Lagos Cidade, Lagos

Inventory
5 Beds
Bathrooms
4 Baths
Built Area
191 m²
Land Plot
535 m²
Tenure
Freehold
Yield Curve Status

Grade A+ investment — short-term rental yields 17.2% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score85
GradeA+
Brixfox Intelligence
85A+Excellent
Score Breakdown
ROI & Yield94%
Capital Growth89%
Risk Profile86%
Market Demand85%

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
+22.7%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$271K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
17.2%
$15,269/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
5 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
5.8 yr
Rental only

Property details

Year built: 1979
Energy: D
Condition: needs-renovation

Description

Charming 3-Bedroom Villa + 2 Independent Apartments | Just Minutes from Praia da Dona Ana Set on a peaceful street in Lagos, this charming property offers a rare combination of spacious family living, income potential, and a truly privileged location.   The main house features three spacious bedrooms with parcial sea

Income Breakdown

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Nightly Rate (ADR)
$1,346/night
50% ($619)Brixfox estimate($1,346/night)200% ($2477)
Occupancy
72%
10%Brixfox estimate(72%)100%

Short-Term Rental

Yearly income
$183,230
Airbnb data$1,346/night · 72% occupancy
Rental income
$1,346/night · 72% occ.
$355,951
Running costs (20%)
Utilities, cleaning, maintenance
-$71,190
Income tax (10%)
Indonesian rental income tax
-$99,666
Property tax
Annual property tax
-$1,864
Net income
17.2% ROI
$183,230

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$1,065,217
IMT (transfer tax, investment schedule)$63,913
Imposto de Selo (stamp duty)$8,522
Notary & registration$1,359
Legal / due diligence$15,978
Total acquisition costs$89,772
Renovation (~$978/m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		$186,848
($145,326–$228,370)
Furnishing & STR launch
5bd × $2,717 base + appliances, electronics, outdoor, licence, photography, linens.		$29,239
All-in investment$1,371,076

Gross yield (asking)

33.4%

True gross yield (all-in)

26.0%

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.

$12.9M$9.7M$6.4M$3.2M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $980K
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 6: rental income alone has repaid the full purchase price.
2x return
Year 5: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$1.2M
+22%
Rental Income
+$895K
Total Position
$2.1M
+113%
16.3%/yr
Year 10
Capital Value
$1.5M
+48%
Rental Income
+$1.9M
Total Position
$3.4M
+245%
13.2%/yr
Year 20
Capital Value
$2.1M
+119%
Rental Income
+$4.5M
Total Position
$6.7M
+581%
10.1%/yr
Year 30
Capital Value
$3.2M
+224%
Rental Income
+$8.0M
Total Position
$11.2M
+1043%
8.5%/yr

Location

Lagos

Western Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Strong
17.2% annual return
Occupancy
Good
72% average occupancy
Nightly Rate
Strong
$1239 per night
Visual Appeal
Weak
3/10 instagrammability
Size & Space
Strong
535 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

High rental yield at 17.2% — outperforms most villas in this market
Premium nightly rate of $1239 — positioned in the top tier
Generous 535 m² land — room for expansion or amenities

Watch Out

Secondary location — rental demand may be lower than premium areas
Visual appeal is below average — photos may not compete well on Airbnb listings

This villa is a strong investment. High rental demand and good returns make it suitable for both active and passive investors.

Risks & What-If

What if occupancy changes?

Owner Managed scenario

52% occ.
16.8%
$14,876/mo
62% occ.
20.0%
$17,742/mo
72% occ.
23.2%
$20,608/mo
current
82% occ.
26.4%
$23,475/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.