Terraced house in Rua João Paulo II, 1, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro
Terraced house in Rua João Paulo II, 1, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 2Terraced house in Rua João Paulo II, 1, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 3Terraced house in Rua João Paulo II, 1, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 4Terraced house in Rua João Paulo II, 1, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 5
Grade B+villaluxury

Terraced house in Rua João Paulo II, 1, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€478,000

Asking Price (EUR)

5.2%

True Net Yield (Owner, all-in)

3.6%

True Net Yield (Managed, all-in)

8.0%

True Gross Yield

44%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.9 months ago and is currently at 16% 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: €44,952/yr
Average Daily Rate: €278
+33.0% vs area baselineImage quality 8/10 (+3%), Modern/contemporary style (+12%), Has pool (0%), Has view (+10%), Luxury finish (+8%)
Payback Period: 13.2 years
5-yr Capital Value: €628,085
10-yr Capital Value: €764,161
Brixfox Score: 70.6 / 100
Comparable Properties: 33
Data Confidence: 93%
Search Radius: 2 km

True Investment Cost

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

€560,764

+17.3% over asking

Asking price€478,000
IMT — Property transfer tax (investment schedule)€26,070
IS — Stamp duty (0.8%)€3,824
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€7,170
Total acquisition costs€38,314
Renovation€0 — move-in ready
Furnishing & STR launch (2bd × €8000 base, luxury tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€44,450
All-in investment (incl. renovation & furnishing)€560,764

Gross yield (asking price)

9.4%

True gross yield (all-in)

8.0%

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: 130 m²
Style: contemporary
Condition: excellent
Energy Certificate: B-
Private Pool
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

landscaped gardensmodern bathroom with double vanity and separate tub/showerbalcony/terrace access from rooms

Score Breakdown

ROI
19.43
Visual Appeal
12.6
Ownership Security
13
Location
10.56
Land & Space
4.6
Rental Demand
4.44
Payback Speed
3
STR Suitability
3

Description

Monte Santo Resort in Carvoeiro is in perfect harmony with nature, designed to offer a perfect balance between comfort and relaxed luxury. It is a family destination, ideal for relaxing near the beach, with access to various sports and leisure activities. It is 2 km from the center of Carvoeiro, 4 km from Lagoa and is

Location

📍 37.1054°N, 8.4699°W

· Lagoa/Carvoeiro, Algarve, Portugal

View on LUXIMOS Christie’s International Real Estate →Also on Idealista.pt
Idealista.pt
Lagoa/Carvoeiro / Central Algarve

Terraced house in Rua João Paulo II, 1, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro

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

Grade B+ investment — short-term rental yields 6.4% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score71
GradeB+
Brixfox Intelligence
71B+Strong
Score Breakdown
ROI & Yield78%
Capital Growth75%
Risk Profile72%
Market Demand71%

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
+11.9%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$132K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
6.4%
$2,755/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
15.7 yr
Rental only

Property details

Energy: B-
Condition: excellent

Description

Monte Santo Resort in Carvoeiro is in perfect harmony with nature, designed to offer a perfect balance between comfort and relaxed luxury. It is a family destination, ideal for relaxing near the beach, with access to various sports and leisure activities. It is 2 km from the center of Carvoeiro, 4 km from Lagoa and is

Income Breakdown

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Nightly Rate (ADR)
$403/night
50% ($186)Brixfox estimate($403/night)200% ($742)
Occupancy
44%
10%Brixfox estimate(44%)100%

Short-Term Rental

Yearly income
$33,055
Airbnb data$403/night · 44% occupancy
Rental income
$403/night · 44% occ.
$65,315
Running costs (20%)
Utilities, cleaning, maintenance
-$13,063
Income tax (10%)
Indonesian rental income tax
-$18,288
Property tax
Annual property tax
-$909
Net income
6.4% ROI
$33,055

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$519,565
IMT (transfer tax, investment schedule)$28,337
Imposto de Selo (stamp duty)$4,157
Notary & registration$1,359
Legal / due diligence$7,793
Total acquisition costs$41,646
RenovationMove-in ready
Furnishing & STR launch
2bd × $8,696 base + appliances, electronics, outdoor, licence, photography, linens.		$46,141
All-in investment$607,352

Gross yield (asking)

12.6%

True gross yield (all-in)

10.8%

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.

$3.4M$2.6M$1.7M$862K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $478K
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 14: 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
$582K
+22%
Rental Income
+$161K
Total Position
$743K
+55%
9.2%/yr
Year 10
Capital Value
$708K
+48%
Rental Income
+$349K
Total Position
$1.1M
+121%
8.3%/yr
Year 20
Capital Value
$1.0M
+119%
Rental Income
+$817K
Total Position
$1.9M
+290%
7.0%/yr
Year 30
Capital Value
$1.6M
+224%
Rental Income
+$1.4M
Total Position
$3.0M
+527%
6.3%/yr

Location

Lagoa/Carvoeiro

Central Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Good
6.4% annual return
Occupancy
Weak
44% average occupancy
Nightly Rate
Strong
$371 per night
Visual Appeal
Good
7/10 instagrammability
Size & Space
Weak
0 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $371 — positioned in the top tier
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Occupancy at 44% — 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.
5.8%
$2,501/mo
40% occ.
7.8%
$3,360/mo
44% occ.
8.6%
$3,735/mo
current
54% occ.
10.6%
$4,594/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.