House in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro
House in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 2House in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 3House in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 4House in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 5
Grade B+villamid-range

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

Lagoa/Carvoeiro · Central Algarve ·

€530,000

Asking Price (EUR)

3.9%

True Net Yield (Owner, all-in)

2.7%

True Net Yield (Managed, all-in)

6.1%

True Gross Yield

50%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.7 months ago and is currently at 14% 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: €36,563/yr
Average Daily Rate: €200
+18.0% vs area baselineImage quality 8/10 (+3%), Portuguese-traditional style (+5%), Has pool (0%), Has view (+10%)
Payback Period: 17.9 years
5-yr Capital Value: €696,412
10-yr Capital Value: €847,292
Brixfox Score: 67.1 / 100
Comparable Properties: 63
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.

€603,020

+13.8% over asking

Asking price€530,000
IMT — Property transfer tax (investment schedule)€30,230
IS — Stamp duty (0.8%)€4,240
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€7,950
Total acquisition costs€43,670
Renovation€0 — move-in ready
Furnishing & STR launch (2bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€29,350
All-in investment (incl. renovation & furnishing)€603,020

Gross yield (asking price)

6.9%

True gross yield (all-in)

6.1%

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: 2
Bathrooms: 3
Building: 125 m²
Style: portuguese-traditional
Condition: excellent
Year Built: 2002
Energy Certificate: D
Private Pool
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

multiple private poolsrooftop terraces with sea viewstraditional Portuguese cobblestone driveway

Score Breakdown

ROI
16.39
Visual Appeal
12.6
Ownership Security
13
Location
10.56
Land & Space
4.5
Rental Demand
5
Payback Speed
2
STR Suitability
3

Description

Located in the sought-after residential area of Vale de Milho, this completely renovated 2-bedroom townhouse offers a blend of comfort, style and convenience, just a short walk from the Vale de Milho Golf Course and within easy reach of Carvoeiro's vibrant centre. With a total built area of 125.35 m², this bright and s

Location

📍 37.0979°N, 8.4487°W

· Lagoa/Carvoeiro, Algarve, Portugal

View on Fine & Country →Also on Idealista.pt
Idealista.pt
Lagoa/Carvoeiro / Central Algarve

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

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

Grade B+ investment — short-term rental yields 4.7% 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
+10.2%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$146K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
4.7%
$2,236/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
9 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
21.5 yr
Rental only

Property details

Year built: 2002
Energy: D
Condition: excellent

Description

Located in the sought-after residential area of Vale de Milho, this completely renovated 2-bedroom townhouse offers a blend of comfort, style and convenience, just a short walk from the Vale de Milho Golf Course and within easy reach of Carvoeiro's vibrant centre. With a total built area of 125.35 m², this bright and s

Income Breakdown

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Nightly Rate (ADR)
$293/night
50% ($135)Brixfox estimate($293/night)200% ($539)
Occupancy
50%
10%Brixfox estimate(50%)100%

Short-Term Rental

Yearly income
$26,829
Airbnb data$293/night · 50% occupancy
Rental income
$293/night · 50% occ.
$53,534
Running costs (20%)
Utilities, cleaning, maintenance
-$10,707
Income tax (10%)
Indonesian rental income tax
-$14,989
Property tax
Annual property tax
-$1,008
Net income
4.7% ROI
$26,829

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$576,087
IMT (transfer tax, investment schedule)$32,859
Imposto de Selo (stamp duty)$4,609
Notary & registration$1,359
Legal / due diligence$8,641
Total acquisition costs$47,467
RenovationMove-in ready
Furnishing & STR launch
2bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$29,728
All-in investment$653,283

Gross yield (asking)

9.3%

True gross yield (all-in)

8.2%

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$1.7M$832K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $530K
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 17: rental income alone has repaid the full purchase price.
2x return
Year 10: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$645K
+22%
Rental Income
+$131K
Total Position
$776K
+46%
7.9%/yr
Year 10
Capital Value
$785K
+48%
Rental Income
+$283K
Total Position
$1.1M
+101%
7.3%/yr
Year 20
Capital Value
$1.2M
+119%
Rental Income
+$663K
Total Position
$1.8M
+244%
6.4%/yr
Year 30
Capital Value
$1.7M
+224%
Rental Income
+$1.2M
Total Position
$2.9M
+446%
5.8%/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
4.7% annual return
Occupancy
Average
50% average occupancy
Nightly Rate
Strong
$270 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 $270 — positioned in the top tier
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Yield of 4.7% 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.
3.7%
$1,790/mo
40% occ.
5.0%
$2,415/mo
50% occ.
6.3%
$3,039/mo
current
60% occ.
7.6%
$3,663/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.