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 ·

€540,000

Asking Price (EUR)

4.4%

True Net Yield (Owner, all-in)

3.0%

True Net Yield (Managed, all-in)

6.7%

True Gross Yield

49%

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: €41,994/yr
Average Daily Rate: €236
Payback Period: 16.0 years
5-yr Capital Value: €709,552
10-yr Capital Value: €863,278
Brixfox Score: 68.6 / 100
Comparable Properties: 63
Data Confidence: 86%
Search Radius: 2 km

True Investment Cost

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

€624,650

+15.7% over asking

Asking price€540,000
IMT — Property transfer tax (investment schedule)€31,030
IS — Stamp duty (0.8%)€4,320
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€8,100
Total acquisition costs€44,700
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)€624,650

Gross yield (asking price)

7.8%

True gross yield (all-in)

6.7%

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: 117 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 integrated seatingfloor-to-ceiling sliding glass doors with panoramic viewsmixed material kitchen cabinetry (wood and dark grey)large format marble-look backsplashwalk-in shower with glass partition

Score Breakdown

ROI
17.38
Visual Appeal
15.6
Ownership Security
13
Location
8.4
Land & Space
4.34
Rental Demand
4.86
Payback Speed
2
STR Suitability
3

Description

T2 NOVO - 1ST FLOOR - TRIPLE EXPOSURE - 1 PARKING SPACE - IN FERRAGUDO Residence is surrounded by a perimeter wall, pedestrian accesses and accesses to the car parks are protected by automatic doors. The entrance of the 4-storey building serves 10 apartments, of which only 3 are on the 1st floor, in order to preserve

Location

📍 37.1240°N, 8.5180°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
117 m²
Land Plot
0 m²
Tenure
Freehold
Yield Curve Status

Grade B+ investment — short-term rental yields 5.2% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score69
GradeB+
Brixfox Intelligence
69B+Strong
Score Breakdown
ROI & Yield76%
Capital Growth72%
Risk Profile71%
Market Demand69%

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
+10.7%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$149K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
5.2%
$2,550/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
9 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
19.2 yr
Rental only

Property details

Energy: A
Condition: new-build

Description

T2 NOVO - 1ST FLOOR - TRIPLE EXPOSURE - 1 PARKING SPACE - IN FERRAGUDO Residence is surrounded by a perimeter wall, pedestrian accesses and accesses to the car parks are protected by automatic doors. The entrance of the 4-storey building serves 10 apartments, of which only 3 are on the 1st floor, in order to preserve

Income Breakdown

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Nightly Rate (ADR)
$343/night
50% ($158)Brixfox estimate($343/night)200% ($630)
Occupancy
49%
10%Brixfox estimate(49%)100%

Short-Term Rental

Yearly income
$30,598
Airbnb data$343/night · 49% occupancy
Rental income
$343/night · 49% occ.
$60,818
Running costs (20%)
Utilities, cleaning, maintenance
-$12,164
Income tax (10%)
Indonesian rental income tax
-$17,029
Property tax
Annual property tax
-$1,027
Net income
5.2% ROI
$30,598

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$586,957
IMT (transfer tax, investment schedule)$33,728
Imposto de Selo (stamp duty)$4,696
Notary & registration$1,359
Legal / due diligence$8,804
Total acquisition costs$48,587
RenovationMove-in ready
Furnishing & STR launch
2bd × $8,696 base + appliances, electronics, outdoor, licence, photography, linens.		$43,424
All-in investment$678,967

Gross yield (asking)

10.4%

True gross yield (all-in)

9.0%

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 Lagoa/Carvoeiro.

$3.6M$2.7M$1.8M$889K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $540K
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 16: rental income alone has repaid the full purchase price.
2x return
Year 10: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$657K
+22%
Rental Income
+$149K
Total Position
$806K
+49%
8.4%/yr
Year 10
Capital Value
$799K
+48%
Rental Income
+$323K
Total Position
$1.1M
+108%
7.6%/yr
Year 20
Capital Value
$1.2M
+119%
Rental Income
+$756K
Total Position
$1.9M
+259%
6.6%/yr
Year 30
Capital Value
$1.8M
+224%
Rental Income
+$1.3M
Total Position
$3.1M
+472%
6.0%/yr

Location

Lagoa/Carvoeiro

Central Algarve, Approximate area

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Airbnb Comp Analysis

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Good
5.2% annual return
Occupancy
Average
49% average occupancy
Nightly Rate
Strong
$315 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 $315 — 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 49% — 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.
4.3%
$2,102/mo
40% occ.
5.8%
$2,832/mo
49% occ.
7.1%
$3,462/mo
current
59% occ.
8.6%
$4,192/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.