Terraced house in Urbanização da Grandlinha, Ferragudo
Terraced house in Urbanização da Grandlinha, Ferragudo — image 2Terraced house in Urbanização da Grandlinha, Ferragudo — image 3Terraced house in Urbanização da Grandlinha, Ferragudo — image 4Terraced house in Urbanização da Grandlinha, Ferragudo — image 5
Grade Bvillamid-range

Terraced house in Urbanização da Grandlinha, Ferragudo

Lagoa/Carvoeiro · Central Algarve ·

€550,000

Asking Price (EUR)

3.3%

True Net Yield (Owner, all-in)

2.3%

True Net Yield (Managed, all-in)

5.1%

True Gross Yield

48%

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: €31,872/yr
Average Daily Rate: €183
Payback Period: 21.6 years
5-yr Capital Value: €722,692
10-yr Capital Value: €879,265
Brixfox Score: 60.8 / 100
Comparable Properties: 50
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.

€629,510

+14.5% over asking

Asking price€550,000
IMT — Property transfer tax (investment schedule)€31,830
IS — Stamp duty (0.8%)€4,400
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€8,250
Total acquisition costs€45,730
Renovation (est. €55/m² × 126 m²)
Light touch-ups — paint, fixtures, deep clean.		€6,930
(€3,780–€10,080)
Furnishing & STR launch (2bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€26,850
All-in investment (incl. renovation & furnishing)€629,510

Gross yield (asking price)

5.8%

True gross yield (all-in)

5.1%

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: 3
Building: 126 m²
Land: 206 m²
Style: portuguese-traditional
Condition: good
Year Built: 2016
Energy Certificate: B

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

traditional portuguese roof tileswrought iron gatesrattan dining chairs

Score Breakdown

ROI
14.91
Visual Appeal
10.2
Ownership Security
13
Location
8.4
Land & Space
5.48
Rental Demand
4.76
Payback Speed
1
STR Suitability
3

Description

Located in a quiet and attractive residential area of Ferragudo, this very well-maintained two-storey townhouse is ideal as both a permanent residence and a holiday home. The property offers a well-planned layout, generous outdoor areas and a welcoming atmosphere. The ground floor is bright and spacious, featuring a l

Location

📍 37.1240°N, 8.5180°W

· Lagoa/Carvoeiro, Algarve, Portugal

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Idealista.pt
Lagoa/Carvoeiro / Central Algarve

Terraced house in Urbanização da Grandlinha, Ferragudo

Inventory
2 Beds
Bathrooms
3 Baths
Built Area
126 m²
Land Plot
206 m²
Tenure
Freehold
Yield Curve Status

Grade B investment — short-term rental yields 3.8% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score61
GradeB
Brixfox Intelligence
61BStrong
Score Breakdown
ROI & Yield67%
Capital Growth64%
Risk Profile63%
Market Demand61%

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
+9.4%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$152K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
3.8%
$1,908/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
26.1 yr
Rental only

Property details

Year built: 2016
Energy: B
Condition: good

Description

Located in a quiet and attractive residential area of Ferragudo, this very well-maintained two-storey townhouse is ideal as both a permanent residence and a holiday home. The property offers a well-planned layout, generous outdoor areas and a welcoming atmosphere. The ground floor is bright and spacious, featuring a l

Income Breakdown

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Nightly Rate (ADR)
$265/night
50% ($122)Brixfox estimate($265/night)200% ($488)
Occupancy
48%
10%Brixfox estimate(48%)100%

Short-Term Rental

Yearly income
$22,900
Airbnb data$265/night · 48% occupancy
Rental income
$265/night · 48% occ.
$46,051
Running costs (20%)
Utilities, cleaning, maintenance
-$9,210
Income tax (10%)
Indonesian rental income tax
-$12,894
Property tax
Annual property tax
-$1,046
Net income
3.8% ROI
$22,900

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$597,826
IMT (transfer tax, investment schedule)$34,598
Imposto de Selo (stamp duty)$4,783
Notary & registration$1,359
Legal / due diligence$8,967
Total acquisition costs$49,707
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$7,533
($4,109–$10,957)
Furnishing & STR launch
2bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$27,011
All-in investment$682,076

Gross yield (asking)

7.7%

True gross yield (all-in)

6.8%

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.

$3.2M$2.4M$1.6M$801K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $550K
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 20: 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
$669K
+22%
Rental Income
+$112K
Total Position
$781K
+42%
7.3%/yr
Year 10
Capital Value
$814K
+48%
Rental Income
+$242K
Total Position
$1.1M
+92%
6.7%/yr
Year 20
Capital Value
$1.2M
+119%
Rental Income
+$566K
Total Position
$1.8M
+222%
6.0%/yr
Year 30
Capital Value
$1.8M
+224%
Rental Income
+$1.0M
Total Position
$2.8M
+407%
5.6%/yr

Location

Lagoa/Carvoeiro

Central Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Average
3.8% annual return
Occupancy
Average
48% average occupancy
Nightly Rate
Strong
$244 per night
Visual Appeal
Good
6/10 instagrammability
Size & Space
Average
206 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $244 — 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 3.8% 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.
3.2%
$1,606/mo
40% occ.
4.4%
$2,171/mo
48% occ.
5.2%
$2,599/mo
current
58% occ.
6.4%
$3,164/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.