Terraced house in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro
Terraced house in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 2Terraced house in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 3Terraced house in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 4Terraced house in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 5
Grade B+villaluxury

Terraced house in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€545,000

Asking Price (EUR)

3.5%

True Net Yield (Owner, all-in)

2.4%

True Net Yield (Managed, all-in)

5.4%

True Gross Yield

36%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 2 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: €34,479/yr
Average Daily Rate: €263
+33.0% vs area baselineImage quality 8/10 (+3%), Modern/contemporary style (+12%), Has pool (0%), Has view (+10%), Luxury finish (+8%)
Payback Period: 19.7 years
5-yr Capital Value: €716,122
10-yr Capital Value: €871,272
Brixfox Score: 69.8 / 100
Comparable Properties: 51
Data Confidence: 90%
Search Radius: 2 km

True Investment Cost

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

€634,665

+16.5% over asking

Asking price€545,000
IMT — Property transfer tax (investment schedule)€31,430
IS — Stamp duty (0.8%)€4,360
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€8,175
Total acquisition costs€45,215
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)€634,665

Gross yield (asking price)

6.3%

True gross yield (all-in)

5.4%

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: 140 m²
Land: 308 m²
Style: contemporary
Condition: excellent
Energy Certificate: C
Private Pool
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

private plunge pools per unitterraced landscapingocean views in the distancemodern architectural design

Score Breakdown

ROI
15.58
Visual Appeal
14.2
Ownership Security
13
Location
10.56
Land & Space
7.86
Rental Demand
3.6
Payback Speed
2
STR Suitability
3

Description

Luxury 2-Bedroom Villa with Private Pool at Vale do Milho Village 5 – Carvoeiro, Algarve Presenting a refined and fully furnished 2-bedroom villa located in the prestigious Vale do Milho Village resort in Carvoeiro. With 140 m² of interior space and over 330 m² of private outdoor area including garden and pool, this p

Location

📍 37.0981°N, 8.4474°W

· Lagoa/Carvoeiro, Algarve, Portugal

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Lagoa/Carvoeiro / Central Algarve

Terraced house in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro

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

Grade B+ investment — short-term rental yields 4.2% net return annually.

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The Investment

Brixfox Score70
GradeB+
Brixfox Intelligence
70B+Strong
Score Breakdown
ROI & Yield77%
Capital Growth74%
Risk Profile72%
Market Demand70%

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
+9.7%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$151K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
4.2%
$2,076/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
23.8 yr
Rental only

Property details

Energy: C
Condition: excellent

Description

Luxury 2-Bedroom Villa with Private Pool at Vale do Milho Village 5 – Carvoeiro, Algarve Presenting a refined and fully furnished 2-bedroom villa located in the prestigious Vale do Milho Village resort in Carvoeiro. With 140 m² of interior space and over 330 m² of private outdoor area including garden and pool, this p

Income Breakdown

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Nightly Rate (ADR)
$380/night
50% ($175)Brixfox estimate($380/night)200% ($699)
Occupancy
36%
10%Brixfox estimate(36%)100%

Short-Term Rental

Yearly income
$24,917
Airbnb data$380/night · 36% occupancy
Rental income
$380/night · 36% occ.
$49,911
Running costs (20%)
Utilities, cleaning, maintenance
-$9,982
Income tax (10%)
Indonesian rental income tax
-$13,975
Property tax
Annual property tax
-$1,037
Net income
4.2% ROI
$24,917

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$592,391
IMT (transfer tax, investment schedule)$34,163
Imposto de Selo (stamp duty)$4,739
Notary & registration$1,359
Legal / due diligence$8,886
Total acquisition costs$49,147
RenovationMove-in ready
Furnishing & STR launch
2bd × $8,696 base + appliances, electronics, outdoor, licence, photography, linens.		$46,141
All-in investment$687,679

Gross yield (asking)

8.4%

True gross yield (all-in)

7.3%

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.

$3.3M$2.5M$1.6M$822K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $545K
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 19: 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
$663K
+22%
Rental Income
+$122K
Total Position
$785K
+44%
7.6%/yr
Year 10
Capital Value
$807K
+48%
Rental Income
+$263K
Total Position
$1.1M
+96%
7.0%/yr
Year 20
Capital Value
$1.2M
+119%
Rental Income
+$616K
Total Position
$1.8M
+232%
6.2%/yr
Year 30
Capital Value
$1.8M
+224%
Rental Income
+$1.1M
Total Position
$2.9M
+424%
5.7%/yr

Location

Lagoa/Carvoeiro

Central Algarve, Approximate area

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Airbnb Comp Analysis

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Average
4.2% annual return
Occupancy
Weak
36% average occupancy
Nightly Rate
Strong
$350 per night
Visual Appeal
Strong
8/10 instagrammability
Size & Space
Good
308 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $350 — positioned in the top tier
Stunning visuals with 8/10 instagrammability — commands premium nightly rates
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Yield of 4.2% 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%
$2,341/mo
40% occ.
6.4%
$3,150/mo
36% occ.
5.7%
$2,825/mo
current
46% occ.
7.4%
$3,634/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.