Detached house in Urbanização Serra e Mar Nn, Ferragudo
Detached house in Urbanização Serra e Mar Nn, Ferragudo — image 2Detached house in Urbanização Serra e Mar Nn, Ferragudo — image 3Detached house in Urbanização Serra e Mar Nn, Ferragudo — image 4Detached house in Urbanização Serra e Mar Nn, Ferragudo — image 5
Grade B+villaluxury

Detached house in Urbanização Serra e Mar Nn, Ferragudo

Lagoa/Carvoeiro · Central Algarve ·

€2.2M

Asking Price (EUR)

2.6%

True Net Yield (Owner, all-in)

1.8%

True Net Yield (Managed, all-in)

4.0%

True Gross Yield

52%

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: €101,870/yr
Average Daily Rate: €538
+26.0% vs area baselineImage quality 8/10 (+3%), Portuguese-traditional style (+5%), Has pool (0%), Has view (+10%), Luxury finish (+8%)
Payback Period: 27.0 years
5-yr Capital Value: €2.9M
10-yr Capital Value: €3.5M
Brixfox Score: 66.8 / 100
Comparable Properties: 7
Data Confidence: 65%
Search Radius: 3 km

True Investment Cost

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

€2.5M

+14.9% over asking

Asking price€2.2M
IMT — Property transfer tax (investment schedule)€165,000
IS — Stamp duty (0.8%)€17,600
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€33,000
Total acquisition costs€216,850
Renovation (est. €55/m² × 886 m²)
Light touch-ups — paint, fixtures, deep clean.		€48,730
(€26,580–€70,880)
Furnishing & STR launch (4bd × €8000 base, luxury tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€62,150
All-in investment (incl. renovation & furnishing)€2.5M

Gross yield (asking price)

4.6%

True gross yield (all-in)

4.0%

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: 4
Bathrooms: 6
Building: 886 m²
Land: 1386 m²
Style: portuguese-traditional
Condition: good
Year Built: 2003
Energy Certificate: D
Private Pool
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

domed roofsmultiple terracescircular pool

Score Breakdown

ROI
13.48
Visual Appeal
13.6
Ownership Security
13
Location
8.4
Land & Space
10.09
Rental Demand
5.18
Payback Speed
0
STR Suitability
3

Description

Discover a property of rare distinction, where design and a vast 500sqm layout converge to create an unparalleled living experience. Boasting a privileged view over the Arade River, this villa is a true sanctuary of well-being. The upper floor is dedicated to privacy, featuring master suites that extend onto panoramic

Location

📍 37.1240°N, 8.5180°W

· Lagoa/Carvoeiro, Algarve, Portugal

View on Century21 Realty Art 2 →Also on Idealista.pt
Idealista.pt
Lagoa/Carvoeiro / Central Algarve

Detached house in Urbanização Serra e Mar Nn, Ferragudo

Inventory
4 Beds
Bathrooms
6 Baths
Built Area
886 m²
Land Plot
1386 m²
Tenure
Freehold
Yield Curve Status

Grade B+ investment — short-term rental yields 3.0% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score67
GradeB+
Brixfox Intelligence
67B+Strong
Score Breakdown
ROI & Yield74%
Capital Growth70%
Risk Profile69%
Market Demand67%

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%
+$608K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
3.0%
$6,029/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
33.1 yr
Rental only

Property details

Year built: 2003
Energy: D
Condition: good

Description

Discover a property of rare distinction, where design and a vast 500sqm layout converge to create an unparalleled living experience. Boasting a privileged view over the Arade River, this villa is a true sanctuary of well-being. The upper floor is dedicated to privacy, featuring master suites that extend onto panoramic

Income Breakdown

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Nightly Rate (ADR)
$778/night
50% ($358)Brixfox estimate($778/night)200% ($1432)
Occupancy
52%
10%Brixfox estimate(52%)100%

Short-Term Rental

Yearly income
$72,347
Airbnb data$778/night · 52% occupancy
Rental income
$778/night · 52% occ.
$147,177
Running costs (20%)
Utilities, cleaning, maintenance
-$29,435
Income tax (10%)
Indonesian rental income tax
-$41,210
Property tax
Annual property tax
-$4,185
Net income
3.0% ROI
$72,347

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$2,391,304
IMT (transfer tax, investment schedule)$179,348
Imposto de Selo (stamp duty)$19,130
Notary & registration$1,359
Legal / due diligence$35,870
Total acquisition costs$235,707
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$52,967
($28,891–$77,043)
Furnishing & STR launch
4bd × $8,696 base + appliances, electronics, outdoor, licence, photography, linens.		$65,380
All-in investment$2,745,359

Gross yield (asking)

6.2%

True gross yield (all-in)

5.4%

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.

$11.8M$8.9M$5.9M$3.0M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $2.2M
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 24: 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
$2.7M
+22%
Rental Income
+$353K
Total Position
$3.0M
+38%
6.6%/yr
Year 10
Capital Value
$3.3M
+48%
Rental Income
+$763K
Total Position
$4.0M
+83%
6.2%/yr
Year 20
Capital Value
$4.8M
+119%
Rental Income
+$1.8M
Total Position
$6.6M
+200%
5.7%/yr
Year 30
Capital Value
$7.1M
+224%
Rental Income
+$3.2M
Total Position
$10.3M
+368%
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
3.0% annual return
Occupancy
Average
52% average occupancy
Nightly Rate
Strong
$716 per night
Visual Appeal
Good
7/10 instagrammability
Size & Space
Strong
1386 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $716 — positioned in the top tier
Generous 1386 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 3.0% 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

32% occ.
2.5%
$4,924/mo
42% occ.
3.3%
$6,581/mo
52% occ.
4.1%
$8,237/mo
current
62% occ.
5.0%
$9,894/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.