Detached house in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro
Detached house in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 2Detached house in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 3Detached house in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 4Detached house in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 5
Grade B+villamid-range

Detached house in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€995,000

Asking Price (EUR)

3.3%

True Net Yield (Owner, all-in)

2.3%

True Net Yield (Managed, all-in)

5.1%

True Gross Yield

33%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 2 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: €58,354/yr
Average Daily Rate: €478
+12.0% vs area baselineImage quality 6/10 (-3%), Portuguese-traditional style (+5%), Has pool (0%), Has view (+10%)
Payback Period: 21.2 years
5-yr Capital Value: €1.3M
10-yr Capital Value: €1.6M
Brixfox Score: 69.3 / 100
Comparable Properties: 9
Data Confidence: 80%
Search Radius: 2 km

True Investment Cost

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

€1.1M

+14.2% over asking

Asking price€995,000
IMT — Property transfer tax (investment schedule)€59,700
IS — Stamp duty (0.8%)€7,960
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€14,925
Total acquisition costs€83,835
Renovation (est. €55/m² × 316 m²)
Light touch-ups — paint, fixtures, deep clean.		€17,380
(€9,480–€25,280)
Furnishing & STR launch (4bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€40,050
All-in investment (incl. renovation & furnishing)€1.1M

Gross yield (asking price)

5.9%

True gross yield (all-in)

5.1%

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: 4
Bathrooms: 3
Building: 316 m²
Land: 4597 m²
Style: portuguese-traditional
Condition: good
Year Built: 1999
Energy Certificate: D
Private Pool
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

large private plotmultiple access pointsexpansive outdoor living area with pool

Score Breakdown

ROI
15.04
Visual Appeal
11.4
Ownership Security
13
Location
10.56
Land & Space
12
Rental Demand
3.35
Payback Speed
1
STR Suitability
3

Description

Exclusive to Panoramic Properties Elegant 4-Bedroom Villa on a Generous Private Plot Near Carvoeiro Set on a substantial and beautifully secluded plot just minutes from the charming village of Carvoeiro, this elegant 4-bedroom villa offers privacy, space, and enormous potential. The property is approached through ele

Location

📍 37.1001°N, 8.4534°W

· Lagoa/Carvoeiro, Algarve, Portugal

View on PANORAMIC PROPERTIES →Also on Idealista.pt
Idealista.pt
Lagoa/Carvoeiro / Central Algarve

Detached house in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro

Inventory
4 Beds
Bathrooms
3 Baths
Built Area
316 m²
Land Plot
4597 m²
Tenure
Freehold
Yield Curve Status

Grade B+ investment — short-term rental yields 3.9% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score69
GradeB+
Brixfox Intelligence
69B+Strong
Score Breakdown
ROI & Yield76%
Capital Growth72%
Risk Profile71%
Market Demand69%

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
+9.4%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$275K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
3.9%
$3,511/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
25.7 yr
Rental only

Property details

Year built: 1999
Energy: D
Condition: good

Description

Exclusive to Panoramic Properties Elegant 4-Bedroom Villa on a Generous Private Plot Near Carvoeiro Set on a substantial and beautifully secluded plot just minutes from the charming village of Carvoeiro, this elegant 4-bedroom villa offers privacy, space, and enormous potential. The property is approached through ele

Income Breakdown

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Nightly Rate (ADR)
$693/night
50% ($319)Brixfox estimate($693/night)200% ($1276)
Occupancy
33%
10%Brixfox estimate(33%)100%

Short-Term Rental

Yearly income
$42,138
Airbnb data$693/night · 33% occupancy
Rental income
$693/night · 33% occ.
$84,674
Running costs (20%)
Utilities, cleaning, maintenance
-$16,935
Income tax (10%)
Indonesian rental income tax
-$23,709
Property tax
Annual property tax
-$1,893
Net income
3.9% ROI
$42,138

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$1,081,522
IMT (transfer tax, investment schedule)$64,891
Imposto de Selo (stamp duty)$8,652
Notary & registration$1,359
Legal / due diligence$16,223
Total acquisition costs$91,125
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$18,891
($10,304–$27,478)
Furnishing & STR launch
4bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$41,359
All-in investment$1,232,897

Gross yield (asking)

7.8%

True gross yield (all-in)

6.9%

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.

$5.8M$4.4M$2.9M$1.5M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $995K
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 20: 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
$1.2M
+22%
Rental Income
+$206K
Total Position
$1.4M
+42%
7.3%/yr
Year 10
Capital Value
$1.5M
+48%
Rental Income
+$444K
Total Position
$1.9M
+93%
6.8%/yr
Year 20
Capital Value
$2.2M
+119%
Rental Income
+$1.0M
Total Position
$3.2M
+224%
6.1%/yr
Year 30
Capital Value
$3.2M
+224%
Rental Income
+$1.8M
Total Position
$5.1M
+410%
5.6%/yr

Location

Lagoa/Carvoeiro

Central Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Average
3.9% annual return
Occupancy
Weak
33% average occupancy
Nightly Rate
Strong
$638 per night
Visual Appeal
Good
6/10 instagrammability
Size & Space
Strong
4597 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $638 — positioned in the top tier
Generous 4597 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 3.9% 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%
$4,271/mo
40% occ.
6.4%
$5,747/mo
33% occ.
5.3%
$4,782/mo
current
43% occ.
6.9%
$6,258/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.