Detached house in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro
Detached house in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 2Detached house in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 3Detached house in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 4Detached house in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 5
Grade Avillamid-range

Detached house in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€845,000

Asking Price (EUR)

6.0%

True Net Yield (Owner, all-in)

4.2%

True Net Yield (Managed, all-in)

9.3%

True Gross Yield

61%

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: €88,083/yr
Average Daily Rate: €398
Payback Period: 12.0 years
5-yr Capital Value: €1.1M
10-yr Capital Value: €1.4M
Brixfox Score: 83.4 / 100
Comparable Properties: 24
Data Confidence: 89%
Search Radius: 2 km

True Investment Cost

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

€951,085

+12.6% over asking

Asking price€845,000
IMT — Property transfer tax (investment schedule)€50,700
IS — Stamp duty (0.8%)€6,760
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€12,675
Total acquisition costs€71,385
Renovation€0 — move-in ready
Furnishing & STR launch (3bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€34,700
All-in investment (incl. renovation & furnishing)€951,085

Gross yield (asking price)

10.4%

True gross yield (all-in)

9.3%

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: 3
Building: 150 m²
Land: 529 m²
Style: contemporary
Condition: excellent
Year Built: 2023
Energy Certificate: B
Private Pool
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

shared large swimming pool area with sun loungersprivate outdoor dining and lounge areasmodern white architecture with terracotta roof tileslush green landscapingpergola-covered outdoor lounge

Score Breakdown

ROI
20.63
Visual Appeal
14.2
Ownership Security
13
Location
10.56
Land & Space
12
Rental Demand
6.06
Payback Speed
4
STR Suitability
3

Description

Carvoeiro Gardens enjoys a privileged setting on the outskirts of Carvoeiro, combining the tranquillity of a private residential community with the convenience of being only minutes from the town centre. This 3-bedroom villa for sale in Carvoeiro, Algarve is within walking distance of Vale de Centeanes Beach and a sh

Location

📍 37.0943°N, 8.4532°W

· Lagoa/Carvoeiro, Algarve, Portugal

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Idealista.pt
Lagoa/Carvoeiro / Central Algarve

Detached house in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro

Inventory
3 Beds
Bathrooms
3 Baths
Built Area
150 m²
Land Plot
529 m²
Tenure
Freehold
Yield Curve Status

Grade A investment — short-term rental yields 7.0% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score83
GradeA
Brixfox Intelligence
83AExcellent
Score Breakdown
ROI & Yield91%
Capital Growth87%
Risk Profile84%
Market Demand83%

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
+12.6%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$233K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
7.0%
$5,385/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
8 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
14.2 yr
Rental only

Property details

Year built: 2023
Energy: B
Condition: excellent

Description

Carvoeiro Gardens enjoys a privileged setting on the outskirts of Carvoeiro, combining the tranquillity of a private residential community with the convenience of being only minutes from the town centre. This 3-bedroom villa for sale in Carvoeiro, Algarve is within walking distance of Vale de Centeanes Beach and a sh

Income Breakdown

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Nightly Rate (ADR)
$576/night
50% ($265)Brixfox estimate($576/night)200% ($1059)
Occupancy
61%
10%Brixfox estimate(61%)100%

Short-Term Rental

Yearly income
$64,617
Airbnb data$576/night · 61% occupancy
Rental income
$576/night · 61% occ.
$127,355
Running costs (20%)
Utilities, cleaning, maintenance
-$25,471
Income tax (10%)
Indonesian rental income tax
-$35,660
Property tax
Annual property tax
-$1,607
Net income
7.0% ROI
$64,617

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$918,478
IMT (transfer tax, investment schedule)$55,109
Imposto de Selo (stamp duty)$7,348
Notary & registration$1,359
Legal / due diligence$13,777
Total acquisition costs$77,592
RenovationMove-in ready
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$35,543
All-in investment$1,031,614

Gross yield (asking)

13.9%

True gross yield (all-in)

12.3%

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.

$6.4M$4.8M$3.2M$1.6M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $845K
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 13: rental income alone has repaid the full purchase price.
2x return
Year 9: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$1.0M
+22%
Rental Income
+$316K
Total Position
$1.3M
+59%
9.7%/yr
Year 10
Capital Value
$1.3M
+48%
Rental Income
+$682K
Total Position
$1.9M
+129%
8.6%/yr
Year 20
Capital Value
$1.9M
+119%
Rental Income
+$1.6M
Total Position
$3.4M
+308%
7.3%/yr
Year 30
Capital Value
$2.7M
+224%
Rental Income
+$2.8M
Total Position
$5.6M
+559%
6.5%/yr

Location

Lagoa/Carvoeiro

Central Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Good
7.0% annual return
Occupancy
Good
61% average occupancy
Nightly Rate
Strong
$530 per night
Visual Appeal
Strong
8/10 instagrammability
Size & Space
Strong
529 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $530 — positioned in the top tier
Stunning visuals with 8/10 instagrammability — commands premium nightly rates
Generous 529 m² land — room for expansion or amenities

Watch Out

Secondary location — rental demand may be lower than premium areas
STR zoning not confirmed — verify before purchasing for short-term rental use

This villa is a strong investment. High rental demand and good returns make it suitable for both active and passive investors.

Risks & What-If

What if occupancy changes?

Owner Managed scenario

41% occ.
6.3%
$4,844/mo
51% occ.
7.9%
$6,070/mo
61% occ.
9.5%
$7,296/mo
current
71% occ.
11.1%
$8,521/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.