T1 flat in Cidade de Lagoa, Lagoa e Carvoeiro
T1 flat in Cidade de Lagoa, Lagoa e Carvoeiro — image 2T1 flat in Cidade de Lagoa, Lagoa e Carvoeiro — image 3T1 flat in Cidade de Lagoa, Lagoa e Carvoeiro — image 4T1 flat in Cidade de Lagoa, Lagoa e Carvoeiro — image 5
Grade Bapartmentmid-range

T1 flat in Cidade de Lagoa, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€240,000

Asking Price (EUR)

3.7%

True Net Yield (Owner, all-in)

2.6%

True Net Yield (Managed, all-in)

5.7%

True Gross Yield

37%

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: €15,580/yr
Average Daily Rate: €115
Payback Period: 19.2 years
5-yr Capital Value: €315,356
10-yr Capital Value: €383,679
Brixfox Score: 61.5 / 100
Comparable Properties: 5
Data Confidence: 59%
Search Radius: 3 km

True Investment Cost

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

€274,067

+14.2% over asking

Asking price€240,000
IMT — Property transfer tax (investment schedule)€7,797
IS — Stamp duty (0.8%)€1,920
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€3,600
Total acquisition costs€14,567
Renovation€0 — move-in ready
Furnishing & STR launch (1bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€19,500
All-in investment (incl. renovation & furnishing)€274,067

Gross yield (asking price)

6.5%

True gross yield (all-in)

5.7%

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: 1
Bathrooms: 1
Building: 74 m²
Style: contemporary
Condition: excellent
Year Built: 1991
Energy Certificate: B-

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

open-plan living and kitchenintegrated kitchen appliancesmodern wall-mounted entertainment unit

Score Breakdown

ROI
15.78
Visual Appeal
10
Ownership Security
13
Location
10.56
Land & Space
3.48
Rental Demand
3.71
Payback Speed
2
STR Suitability
3

Description

Well-located one-bedroom flat in Lagoa, Portugal This charming one-bedroom flat, located in the peaceful town of Lagoa, is the ideal opportunity to enjoy a welcoming and functional space. With a total area of 74 m², this property is ideal for those seeking the comfort of living in a quiet neighbourhood, in the heart o

Location

📍 37.1381°N, 8.4520°W

· Lagoa/Carvoeiro, Algarve, Portugal

View on IAD Portugal →Also on Idealista.pt
Idealista.pt
Lagoa/Carvoeiro / Central Algarve

T1 flat in Cidade de Lagoa, Lagoa e Carvoeiro

Inventory
1 Beds
Bathrooms
1 Baths
Built Area
74 m²
Land Plot
0 m²
Tenure
Freehold
Yield Curve Status

Grade B investment — short-term rental yields 4.3% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score62
GradeB
Brixfox Intelligence
62BStrong
Score Breakdown
ROI & Yield68%
Capital Growth65%
Risk Profile64%
Market Demand62%

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
+9.8%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$66K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
4.3%
$938/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
23.2 yr
Rental only

Property details

Year built: 1991
Energy: B-
Condition: excellent

Description

Well-located one-bedroom flat in Lagoa, Portugal This charming one-bedroom flat, located in the peaceful town of Lagoa, is the ideal opportunity to enjoy a welcoming and functional space. With a total area of 74 m², this property is ideal for those seeking the comfort of living in a quiet neighbourhood, in the heart o

Income Breakdown

Adjust Forecast

Customize your projections
Nightly Rate (ADR)
$166/night
50% ($77)Brixfox estimate($166/night)200% ($306)
Occupancy
37%
10%Brixfox estimate(37%)100%

Short-Term Rental

Yearly income
$11,259
Airbnb data$166/night · 37% occupancy
Rental income
$166/night · 37% occ.
$22,530
Running costs (20%)
Utilities, cleaning, maintenance
-$4,506
Income tax (10%)
Indonesian rental income tax
-$6,309
Property tax
Annual property tax
-$457
Net income
4.3% ROI
$11,259

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$260,870
IMT (transfer tax, investment schedule)$8,475
Imposto de Selo (stamp duty)$2,087
Notary & registration$1,359
Legal / due diligence$3,913
Total acquisition costs$15,834
RenovationMove-in ready
Furnishing & STR launch
1bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$21,196
All-in investment$297,899

Gross yield (asking)

8.6%

True gross yield (all-in)

7.6%

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.

$1.5M$1.1M$731K$365K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $240K
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 18: 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
$292K
+22%
Rental Income
+$55K
Total Position
$347K
+45%
7.7%/yr
Year 10
Capital Value
$355K
+48%
Rental Income
+$119K
Total Position
$474K
+98%
7.0%/yr
Year 20
Capital Value
$526K
+119%
Rental Income
+$278K
Total Position
$804K
+235%
6.2%/yr
Year 30
Capital Value
$778K
+224%
Rental Income
+$493K
Total Position
$1.3M
+430%
5.7%/yr

Location

Lagoa/Carvoeiro

Central Algarve, Approximate area

Loading Map...

Airbnb Comp Analysis

No nearby Airbnb listings found

Ask Brixfox AI

Conversational analysis — questions about this listing, answered from real data.

Try one of these

Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Average
4.3% annual return
Occupancy
Weak
37% average occupancy
Nightly Rate
Good
$153 per night
Visual Appeal
Good
6/10 instagrammability
Size & Space
Weak
0 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Yield of 4.3% 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.
4.7%
$1,025/mo
40% occ.
6.3%
$1,379/mo
37% occ.
5.9%
$1,276/mo
current
47% occ.
7.5%
$1,630/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.