Terraced house in Rua Fialho de Almeida, 2, Torralta, Lagos
Terraced house in Rua Fialho de Almeida, 2, Torralta, Lagos — image 2Terraced house in Rua Fialho de Almeida, 2, Torralta, Lagos — image 3Terraced house in Rua Fialho de Almeida, 2, Torralta, Lagos — image 4Terraced house in Rua Fialho de Almeida, 2, Torralta, Lagos — image 5
Grade Bvillamid-range

Terraced house in Rua Fialho de Almeida, 2, Torralta, Lagos

Lagos · Western Algarve ·

€690,000

Asking Price (EUR)

3.5%

True Net Yield (Owner, all-in)

2.4%

True Net Yield (Managed, all-in)

5.4%

True Gross Yield

45%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.5 months ago and is currently at 13% 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: €42,593/yr
Average Daily Rate: €258
-10.0% vs area baselineImage quality 6/10 (-3%), Portuguese-traditional style (+5%), No pool (-12%)
Payback Period: 19.9 years
5-yr Capital Value: €906,650
10-yr Capital Value: €1.1M
Brixfox Score: 60.4 / 100
Comparable Properties: 54
Data Confidence: 93%
Search Radius: 2 km

True Investment Cost

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

€791,885

+14.8% over asking

Asking price€690,000
IMT — Property transfer tax (investment schedule)€41,400
IS — Stamp duty (0.8%)€5,520
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€10,350
Total acquisition costs€58,520
Renovation (est. €55/m² × 203 m²)
Light touch-ups — paint, fixtures, deep clean.		€11,165
(€6,090–€16,240)
Furnishing & STR launch (3bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€32,200
All-in investment (incl. renovation & furnishing)€791,885

Gross yield (asking price)

6.2%

True gross yield (all-in)

5.4%

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: 3
Bathrooms: 3
Building: 203 m²
Land: 95 m²
Style: portuguese-traditional
Condition: good
Year Built: 1985
Energy Certificate: C

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

stone fireplaceterracotta hexagonal floor tilesarched doorway

Score Breakdown

ROI
15.53
Visual Appeal
9.8
Ownership Security
13
Location
10.44
Land & Space
2.14
Rental Demand
4.53
Payback Speed
2
STR Suitability
3

Description

HOUSE IN TORRALTINHA, LAGOS Discover this charming house in Lagos, a unique opportunity for those seeking comfort and tranquility. With a generous area of 203.34 m², this property offers a cozy and bright atmosphere, ideal for families or for those who want a space to relax and enjoy life. The house features 3 bedroo

Location

📍 37.1028°N, 8.6731°W

· Lagos, Algarve, Portugal

View on CENTURY 21 Universe →Also on Idealista.pt
Idealista.pt
Lagos / Western Algarve

Terraced house in Rua Fialho de Almeida, 2, Torralta, Lagos

Inventory
3 Beds
Bathrooms
3 Baths
Built Area
203 m²
Land Plot
95 m²
Tenure
Freehold
Yield Curve Status

Grade B investment — short-term rental yields 4.2% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score60
GradeB
Brixfox Intelligence
60BStrong
Score Breakdown
ROI & Yield66%
Capital Growth63%
Risk Profile62%
Market Demand60%

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
+9.7%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$191K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
4.2%
$2,608/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
24.0 yr
Rental only

Property details

Year built: 1985
Energy: C
Condition: good

Description

HOUSE IN TORRALTINHA, LAGOS Discover this charming house in Lagos, a unique opportunity for those seeking comfort and tranquility. With a generous area of 203.34 m², this property offers a cozy and bright atmosphere, ideal for families or for those who want a space to relax and enjoy life. The house features 3 bedroo

Income Breakdown

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Nightly Rate (ADR)
$380/night
50% ($175)Brixfox estimate($380/night)200% ($699)
Occupancy
45%
10%Brixfox estimate(45%)100%

Short-Term Rental

Yearly income
$31,299
Airbnb data$380/night · 45% occupancy
Rental income
$380/night · 45% occ.
$62,714
Running costs (20%)
Utilities, cleaning, maintenance
-$12,543
Income tax (10%)
Indonesian rental income tax
-$17,560
Property tax
Annual property tax
-$1,312
Net income
4.2% ROI
$31,299

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$750,000
IMT (transfer tax, investment schedule)$45,000
Imposto de Selo (stamp duty)$6,000
Notary & registration$1,359
Legal / due diligence$11,250
Total acquisition costs$63,609
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$12,136
($6,620–$17,652)
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$32,826
All-in investment$858,571

Gross yield (asking)

8.4%

True gross yield (all-in)

7.3%

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.

$4.1M$3.1M$2.1M$1.0M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $690K
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 19: rental income alone has repaid the full purchase price.
2x return
Year 11: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$839K
+22%
Rental Income
+$153K
Total Position
$992K
+44%
7.5%/yr
Year 10
Capital Value
$1.0M
+48%
Rental Income
+$330K
Total Position
$1.4M
+96%
7.0%/yr
Year 20
Capital Value
$1.5M
+119%
Rental Income
+$774K
Total Position
$2.3M
+231%
6.2%/yr
Year 30
Capital Value
$2.2M
+224%
Rental Income
+$1.4M
Total Position
$3.6M
+423%
5.7%/yr

Location

Lagos

Western Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Average
4.2% annual return
Occupancy
Average
45% average occupancy
Nightly Rate
Strong
$349 per night
Visual Appeal
Average
5/10 instagrammability
Size & Space
Weak
95 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $349 — 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 4.2% 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

30% occ.
3.7%
$2,316/mo
40% occ.
5.0%
$3,124/mo
45% occ.
5.7%
$3,549/mo
current
55% occ.
7.0%
$4,357/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.