Detached house in Rua Do Vale, Vila de Estômbar - Fontes, Estômbar e Parchal
Detached house in Rua Do Vale, Vila de Estômbar - Fontes, Estômbar e Parchal — image 2Detached house in Rua Do Vale, Vila de Estômbar - Fontes, Estômbar e Parchal — image 3Detached house in Rua Do Vale, Vila de Estômbar - Fontes, Estômbar e Parchal — image 4Detached house in Rua Do Vale, Vila de Estômbar - Fontes, Estômbar e Parchal — image 5
Grade B+villamid-range

Detached house in Rua Do Vale, Vila de Estômbar - Fontes, Estômbar e Parchal

Lagoa/Carvoeiro · Central Algarve ·

€439,000

Asking Price (EUR)

7.2%

True Net Yield (Owner, all-in)

5.0%

True Net Yield (Managed, all-in)

11.1%

True Gross Yield

43%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.6 months ago and is currently at 13% maturity. Yields shown apply a conservative calibration (realised-ADR factor 0.74, occupancy cap 66%) that auto-fades to full fidelity by April 2027.

Projected Gross Revenue: €56,956/yr
Average Daily Rate: €362
Payback Period: 9.5 years
5-yr Capital Value: €576,839
10-yr Capital Value: €701,813
Brixfox Score: 70.7 / 100
Comparable Properties: 14
Data Confidence: 69%
Search Radius: 4 km

True Investment Cost

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

€514,957

+17.3% over asking

Asking price€439,000
IMT — Property transfer tax (investment schedule)€22,950
IS — Stamp duty (0.8%)€3,512
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€6,585
Total acquisition costs€34,297
Renovation (est. €55/m² × 172 m²)
Light touch-ups — paint, fixtures, deep clean.		€9,460
(€5,160–€13,760)
Furnishing & STR launch (3bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€32,200
All-in investment (incl. renovation & furnishing)€514,957

Gross yield (asking price)

13.0%

True gross yield (all-in)

11.1%

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: 3
Bathrooms: 3
Building: 172 m²
Land: 168 m²
Style: portuguese-traditional
Condition: good
Energy Certificate: D

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

stone-clad-fireplacecovered-patio

Score Breakdown

ROI
24.03
Visual Appeal
10
Ownership Security
13
Location
8.4
Land & Space
3.99
Rental Demand
4.31
Payback Speed
4
STR Suitability
3

Description

3 bedroom villa, located in the quiet village of Estômbar, in Lagoa, with a bedroom en suite on the ground floor, large living and dining room and excellent outdoor space, just 3 minutes from schools, supermarkets, restaurants, pharmacy among other services. Located in a landmark urbanisation, consisting exclusively o

Location

📍 37.1446°N, 8.4878°W

· Lagoa/Carvoeiro, Algarve, Portugal

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Lagoa/Carvoeiro / Central Algarve

Detached house in Rua Do Vale, Vila de Estômbar - Fontes, Estômbar e Parchal

Inventory
3 Beds
Bathrooms
3 Baths
Built Area
172 m²
Land Plot
168 m²
Tenure
Freehold
Yield Curve Status

Grade B+ investment — short-term rental yields 9.0% net return annually.

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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
+14.5%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$121K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
9.0%
$3,559/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
7 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
11.2 yr
Rental only

Property details

Energy: D
Condition: good

Description

3 bedroom villa, located in the quiet village of Estômbar, in Lagoa, with a bedroom en suite on the ground floor, large living and dining room and excellent outdoor space, just 3 minutes from schools, supermarkets, restaurants, pharmacy among other services. Located in a landmark urbanisation, consisting exclusively o

Income Breakdown

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Nightly Rate (ADR)
$532/night
50% ($245)Brixfox estimate($532/night)200% ($979)
Occupancy
43%
10%Brixfox estimate(43%)100%

Short-Term Rental

Yearly income
$42,709
Airbnb data$532/night · 43% occupancy
Rental income
$532/night · 43% occ.
$83,739
Running costs (20%)
Utilities, cleaning, maintenance
-$16,748
Income tax (10%)
Indonesian rental income tax
-$23,447
Property tax
Annual property tax
-$835
Net income
9.0% ROI
$42,709

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$477,174
IMT (transfer tax, investment schedule)$24,946
Imposto de Selo (stamp duty)$3,817
Notary & registration$1,359
Legal / due diligence$7,158
Total acquisition costs$37,279
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$10,283
($5,609–$14,957)
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$32,826
All-in investment$557,562

Gross yield (asking)

17.5%

True gross yield (all-in)

15.0%

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.

$3.8M$2.8M$1.9M$947K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $439K
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 10: rental income alone has repaid the full purchase price.
2x return
Year 7: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$534K
+22%
Rental Income
+$209K
Total Position
$743K
+69%
11.1%/yr
Year 10
Capital Value
$650K
+48%
Rental Income
+$450K
Total Position
$1.1M
+151%
9.6%/yr
Year 20
Capital Value
$962K
+119%
Rental Income
+$1.1M
Total Position
$2.0M
+360%
7.9%/yr
Year 30
Capital Value
$1.4M
+224%
Rental Income
+$1.9M
Total Position
$3.3M
+650%
6.9%/yr

Location

Lagoa/Carvoeiro

Central Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Strong
9.0% annual return
Occupancy
Weak
43% average occupancy
Nightly Rate
Strong
$489 per night
Visual Appeal
Average
4/10 instagrammability
Size & Space
Average
168 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

High rental yield at 9.0% — outperforms most villas in this market
Premium nightly rate of $489 — 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 43% — 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.
8.4%
$3,329/mo
40% occ.
11.2%
$4,462/mo
43% occ.
12.1%
$4,815/mo
current
53% occ.
15.0%
$5,948/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.