House in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro
House in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 2House in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 3House in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 4House in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 5
Grade B+villamid-range

House in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€995,000

Asking Price (EUR)

2.5%

True Net Yield (Owner, all-in)

1.7%

True Net Yield (Managed, all-in)

3.8%

True Gross Yield

33%

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: €46,769/yr
Average Daily Rate: €385
-8.0% vs area baselineImage quality 6/10 (-3%), Dated style (-15%), Has pool (0%), Has view (+10%)
Payback Period: 26.2 years
5-yr Capital Value: €1.3M
10-yr Capital Value: €1.6M
Brixfox Score: 66.3 / 100
Comparable Properties: 9
Data Confidence: 80%
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

+23.6% over asking

Asking price€995,000
IMT — Property transfer tax (investment schedule)€59,700
IS — Stamp duty (0.8%)€7,960
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€14,925
Total acquisition costs€83,835
Renovation (est. €350/m² × 316 m²)
Cosmetic refresh — flooring, paint, bathroom & kitchen updates.		€110,600
(€79,000–€142,200)
Furnishing & STR launch (4bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€40,050
All-in investment (incl. renovation & furnishing)€1.2M

Gross yield (asking price)

4.7%

True gross yield (all-in)

3.8%

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: 4
Bathrooms: 3
Building: 316 m²
Land: 4597 m²
Style: dated
Condition: fair
Year Built: 1999
Energy Certificate: D
Private Pool
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

large plot with sea viewsprivate swimming pool

Score Breakdown

ROI
13.64
Visual Appeal
10.8
Ownership Security
13
Location
10.56
Land & Space
12
Rental Demand
3.33
Payback Speed
0
STR Suitability
3

Description

Opportunity! Elegant 4-Bedroom Villa with Pool on a Large Private Plot Near Carvoeiro • 4 bedrooms, 3 bathrooms • Plot size approx. 4,600 m² • 316 m² living space • Private pool • Built in 1999 • Great potential with some renovations • Distance to the beach approx. 2 km This large property, just minutes from the char

Location

📍 37.1033°N, 8.4513°W

· Lagoa/Carvoeiro, Algarve, Portugal

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Idealista.pt
Lagoa/Carvoeiro / Central Algarve

House in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro

Inventory
4 Beds
Bathrooms
3 Baths
Built Area
316 m²
Land Plot
4597 m²
Tenure
Freehold
Yield Curve Status

Grade B+ investment — short-term rental yields 3.1% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score66
GradeB+
Brixfox Intelligence
66B+Strong
Score Breakdown
ROI & Yield73%
Capital Growth69%
Risk Profile68%
Market Demand66%

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
+8.6%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$275K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
3.1%
$2,810/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
32.1 yr
Rental only

Property details

Year built: 1999
Energy: D
Condition: fair

Description

Opportunity! Elegant 4-Bedroom Villa with Pool on a Large Private Plot Near Carvoeiro • 4 bedrooms, 3 bathrooms • Plot size approx. 4,600 m² • 316 m² living space • Private pool • Built in 1999 • Great potential with some renovations • Distance to the beach approx. 2 km This large property, just minutes from the char

Income Breakdown

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Nightly Rate (ADR)
$564/night
50% ($259)Brixfox estimate($564/night)200% ($1037)
Occupancy
33%
10%Brixfox estimate(33%)100%

Short-Term Rental

Yearly income
$33,714
Airbnb data$564/night · 33% occupancy
Rental income
$564/night · 33% occ.
$68,475
Running costs (20%)
Utilities, cleaning, maintenance
-$13,695
Income tax (10%)
Indonesian rental income tax
-$19,173
Property tax
Annual property tax
-$1,893
Net income
3.1% ROI
$33,714

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$1,081,522
IMT (transfer tax, investment schedule)$64,891
Imposto de Selo (stamp duty)$8,652
Notary & registration$1,359
Legal / due diligence$16,223
Total acquisition costs$91,125
Renovation (~$380/m²)
Cosmetic refresh — flooring, paint, bathroom & kitchen updates.		$120,217
($85,870–$154,565)
Furnishing & STR launch
4bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$41,359
All-in investment$1,334,223

Gross yield (asking)

6.3%

True gross yield (all-in)

5.1%

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.

$5.4M$4.1M$2.7M$1.4M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $995K
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 23: 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
$1.2M
+22%
Rental Income
+$165K
Total Position
$1.4M
+38%
6.7%/yr
Year 10
Capital Value
$1.5M
+48%
Rental Income
+$356K
Total Position
$1.8M
+84%
6.3%/yr
Year 20
Capital Value
$2.2M
+119%
Rental Income
+$833K
Total Position
$3.0M
+203%
5.7%/yr
Year 30
Capital Value
$3.2M
+224%
Rental Income
+$1.5M
Total Position
$4.7M
+373%
5.3%/yr

Location

Lagoa/Carvoeiro

Central Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Average
3.1% annual return
Occupancy
Weak
33% average occupancy
Nightly Rate
Strong
$519 per night
Visual Appeal
Average
5/10 instagrammability
Size & Space
Strong
4597 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $519 — positioned in the top tier
Generous 4597 m² land — room for expansion or amenities
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Yield of 3.1% 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.
3.8%
$3,443/mo
40% occ.
5.2%
$4,643/mo
33% occ.
4.3%
$3,836/mo
current
43% occ.
5.6%
$5,036/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.