Semi-detached house in Centro, Lagos
Semi-detached house in Centro, Lagos — image 2Semi-detached house in Centro, Lagos — image 3Semi-detached house in Centro, Lagos — image 4Semi-detached house in Centro, Lagos — image 5
Grade Bvillamid-range

Semi-detached house in Centro, Lagos

Lagos · Western Algarve ·

€1.1M

Asking Price (EUR)

2.6%

True Net Yield (Owner, all-in)

1.8%

True Net Yield (Managed, all-in)

4.0%

True Gross Yield

46%

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: €49,808/yr
Average Daily Rate: €297
+3.0% vs area baselinePortuguese-traditional style (+5%), No pool (-12%), Has view (+10%)
Payback Period: 27.3 years
5-yr Capital Value: €1.4M
10-yr Capital Value: €1.8M
Brixfox Score: 60.2 / 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.

€1.2M

+12.4% over asking

Asking price€1.1M
IMT — Property transfer tax (investment schedule)€66,000
IS — Stamp duty (0.8%)€8,800
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€16,500
Total acquisition costs€92,550
Renovation (est. €55/m² × 205 m²)
Light touch-ups — paint, fixtures, deep clean.		€11,275
(€6,150–€16,400)
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)€1.2M

Gross yield (asking price)

4.5%

True gross yield (all-in)

4.0%

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: 4
Building: 205 m²
Land: 131 m²
Style: portuguese-traditional
Condition: good
Year Built: 2018
Energy Certificate: A
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

covered outdoor dining areawicker furniturelarge wall artterraced outdoor spacetraditional lantern lighting

Score Breakdown

ROI
13.42
Visual Appeal
12.8
Ownership Security
13
Location
10.44
Land & Space
2.95
Rental Demand
4.59
Payback Speed
0
STR Suitability
3

Description

Timeless Elegance in the Heart of Lagos A Rare Opportunity to Own a Traditional Gem in a Prestigious Location In the historic center of Lagos, embraced by the ancient city walls, stands a truly exceptional residence that perfectly blends traditional Algarvian charm with rare investment potential. Just a short stroll f

Location

📍 37.1028°N, 8.6731°W

· Lagos, Algarve, Portugal

View on Engel & Völkers Lagos →Also on Idealista.pt
Idealista.pt
Lagos / Western Algarve

Semi-detached house in Centro, Lagos

Inventory
3 Beds
Bathrooms
4 Baths
Built Area
205 m²
Land Plot
131 m²
Tenure
Freehold
Yield Curve Status

Grade B investment — short-term rental yields 3.0% 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
+8.5%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$304K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
3.0%
$2,983/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
11 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
33.4 yr
Rental only

Property details

Year built: 2018
Energy: A
Condition: good

Description

Timeless Elegance in the Heart of Lagos A Rare Opportunity to Own a Traditional Gem in a Prestigious Location In the historic center of Lagos, embraced by the ancient city walls, stands a truly exceptional residence that perfectly blends traditional Algarvian charm with rare investment potential. Just a short stroll f

Income Breakdown

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Nightly Rate (ADR)
$435/night
50% ($200)Brixfox estimate($435/night)200% ($800)
Occupancy
46%
10%Brixfox estimate(46%)100%

Short-Term Rental

Yearly income
$35,798
Airbnb data$435/night · 46% occupancy
Rental income
$435/night · 46% occ.
$72,865
Running costs (20%)
Utilities, cleaning, maintenance
-$14,573
Income tax (10%)
Indonesian rental income tax
-$20,402
Property tax
Annual property tax
-$2,092
Net income
3.0% ROI
$35,798

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$1,195,652
IMT (transfer tax, investment schedule)$71,739
Imposto de Selo (stamp duty)$9,565
Notary & registration$1,359
Legal / due diligence$17,935
Total acquisition costs$100,598
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$12,255
($6,685–$17,826)
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$32,826
All-in investment$1,341,332

Gross yield (asking)

6.1%

True gross yield (all-in)

5.4%

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.

$5.9M$4.4M$3.0M$1.5M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $1.1M
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 24: 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
$1.3M
+22%
Rental Income
+$175K
Total Position
$1.5M
+38%
6.6%/yr
Year 10
Capital Value
$1.6M
+48%
Rental Income
+$378K
Total Position
$2.0M
+82%
6.2%/yr
Year 20
Capital Value
$2.4M
+119%
Rental Income
+$885K
Total Position
$3.3M
+200%
5.6%/yr
Year 30
Capital Value
$3.6M
+224%
Rental Income
+$1.6M
Total Position
$5.1M
+367%
5.3%/yr

Location

Lagos

Western Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Weak
3.0% annual return
Occupancy
Average
46% average occupancy
Nightly Rate
Strong
$400 per night
Visual Appeal
Good
7/10 instagrammability
Size & Space
Weak
131 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $400 — 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 3.0% is below 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.
2.6%
$2,601/mo
40% occ.
3.5%
$3,526/mo
46% occ.
4.1%
$4,076/mo
current
56% occ.
5.0%
$5,001/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.