T2 flat in Rua de Moçambique, Nn, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro
T2 flat in Rua de Moçambique, Nn, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 2T2 flat in Rua de Moçambique, Nn, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 3T2 flat in Rua de Moçambique, Nn, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 4T2 flat in Rua de Moçambique, Nn, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 5
Grade B+apartmentmid-range

T2 flat in Rua de Moçambique, Nn, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€495,000

Asking Price (EUR)

5.7%

True Net Yield (Owner, all-in)

3.9%

True Net Yield (Managed, all-in)

7.1%

True Gross Yield

50%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 2.2 months ago and is currently at 19% maturity. Yields shown apply a conservative calibration (realised-ADR factor 0.76, occupancy cap 67%) that auto-fades to full fidelity by April 2027.

Projected Gross Revenue: €40,594/yr
Average Daily Rate: €221
+15.0% vs area baselinePortuguese-traditional style (+5%), Has pool (0%), Has view (+10%)
Payback Period: 24.4 years
5-yr Capital Value: €573,841
10-yr Capital Value: €665,239
Brixfox Score: 66.7 / 100
Comparable Properties: 59
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.

€567,915

+14.7% over asking

Asking price€495,000
IMT — Property transfer tax (investment schedule)€27,430
IS — Stamp duty (0.8%)€3,960
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€7,425
Total acquisition costs€40,065
Renovation (est. €55/m² × 100 m²)
Light touch-ups — paint, fixtures, deep clean.		€5,500
(€3,000–€8,000)
Furnishing & STR launch (2bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€27,350
All-in investment (incl. renovation & furnishing)€567,915

Gross yield (asking price)

8.2%

True gross yield (all-in)

7.1%

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: 2
Building: 100 m²
Style: portuguese-traditional
Condition: good
Year Built: 2004
Energy Certificate: C
Private Pool
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

rooftop terracestraditional tiled roofsfireplace

Score Breakdown

ROI
15.3
Visual Appeal
11.8
Ownership Security
13
Location
10.56
Land & Space
4
Rental Demand
5.02
Payback Speed
3
STR Suitability
4

Description

Stunning 100.25m² apartment built in 2004, set within a well-kept development in Carvoeiro, offering captivating ocean views and a luxurious coastal lifestyle. The property is surrounded by landscaped gardens and a communal swimming pool, providing both privacy and a sense of community. Inside, the spacious living are

Location

📍 37.1054°N, 8.4801°W

· Lagoa/Carvoeiro, Algarve, Portugal

View on Fine & Country →Also on Idealista.pt
T2 flat in Rua de Moçambique, Nn, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro
Idealista.pt
Source verified

T2 flat in Rua de Moçambique, Nn, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve · Freehold · Ref BF-4500
Ownership
Freehold
Bedrooms
2
Bathrooms
2
Built area
100 m²
True net yield
4.1%
≈ $3,564/mo net after costs & tax
Brixfox Score 67 · B+

Property details

Year built: 2004
Energy: C
Condition: good

Description

Stunning 100.25m² apartment built in 2004, set within a well-kept development in Carvoeiro, offering captivating ocean views and a luxurious coastal lifestyle. The property is surrounded by landscaped gardens and a communal swimming pool, providing both privacy and a sense of community. Inside, the spacious living are

Income Breakdown

Figures are modelled estimates derived from comparable short-term-rental data — not guaranteed returns or financial advice. Do your own due diligence before investing.

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Customize your projections
Nightly Rate (ADR)
$319/night
50% ($147)Brixfox estimate($319/night)200% ($586)
Occupancy
50%
10%Brixfox estimate(50%)100%

Short-Term Rental

Yearly income
$28,111
Airbnb data$319/night · 50% occupancy
Rental income
$319/night · 50% occ.
$54,060
Running costs (20%)
Utilities, cleaning, maintenance
-$10,812
Income tax (10%)
Indonesian rental income tax
-$15,137
Property tax
Annual property tax
-$0
Net income
5.2% ROI
$28,111

Long-Term Rental

No long-term rental data available

Not enough comparable rentals in this area

Airbnb Comp Analysis

No nearby Airbnb listings found

Investment Returns

After-tax net yield · all-in cost basis

Approx. location

Net Yield · Fully-Managed · After Tax

4.1%

on all-in cost of $600,189

Scenario
Pre-tax
After-tax
Owner-managed
7.1%
6.3%
Fully-managed
4.9%
4.1%
After-tax nets ~28% non-resident IRS on AL income (simplified regime). Yields are on the all-in acquisition cost, not the asking price.

Gross Yield

9.0%

Annual Revenue

$54,060

Income Tax / yr

$4,730

Payback

24 yrs

True All-In Cost
Asking price$538,043
IMT — transfer tax (non-resident 7.5%)$40,353
Stamp duty (0.8%)$4,304
Notary + registry$2,174
Legal$6,618
Furnishing + STR launch$8,696
All-in cost$600,189

Growth & Exit Strategy

How your investment grows over time

Freehold — 4%/yr appreciation in Lagoa/Carvoeiro.

$3.3M$2.4M$1.6M$815K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $495K
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 16: 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
$602K
+22%
Rental Income
+$137K
Total Position
$740K
+49%
8.4%/yr
Year 10
Capital Value
$733K
+48%
Rental Income
+$296K
Total Position
$1.0M
+108%
7.6%/yr
Year 20
Capital Value
$1.1M
+119%
Rental Income
+$695K
Total Position
$1.8M
+260%
6.6%/yr
Year 30
Capital Value
$1.6M
+224%
Rental Income
+$1.2M
Total Position
$2.8M
+473%
6.0%/yr

Location

Lagoa/Carvoeiro

Central Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Good
5.2% annual return
Occupancy
Average
50% average occupancy
Nightly Rate
Strong
$293 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 $293 — 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 50% — 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.
4.6%
$2,049/mo
40% occ.
6.1%
$2,728/mo
50% occ.
7.6%
$3,406/mo
current
60% occ.
9.1%
$4,084/mo

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Data Sources & Methodology

ROI calculations use verified Brixfox Intelligence rental data from a 12-month trailing window. Opex: 20% owner-managed, 45% fully-managed. Market factors in Portugal may impact actual yields.

Asking price · Freehold
$538,043
4.1%
Net yield
View original listing
Source verified · Idealista.pt · listed 2 Jun 2026
Estimates, not financial advice. Yields modelled from real Airbnb data.