Detached house in Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro
Detached house in Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 2Detached house in Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 3Detached house in Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 4Detached house in Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 5
Grade B+villamid-range

Detached house in Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€1.5M

Asking Price (EUR)

3.6%

True Net Yield (Owner, all-in)

2.5%

True Net Yield (Managed, all-in)

5.6%

True Gross Yield

51%

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: €94,734/yr
Average Daily Rate: €508
+22.0% vs area baselineModern/contemporary style (+12%), Has pool (0%), Has view (+10%)
Payback Period: 19.5 years
5-yr Capital Value: €2.0M
10-yr Capital Value: €2.4M
Brixfox Score: 71.5 / 100
Comparable Properties: 7
Data Confidence: 75%
Search Radius: 2 km

True Investment Cost

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

€1.7M

+12.6% over asking

Asking price€1.5M
IMT — Property transfer tax (investment schedule)€112,500
IS — Stamp duty (0.8%)€12,000
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€22,500
Total acquisition costs€148,250
Renovation€0 — move-in ready
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)€1.7M

Gross yield (asking price)

6.3%

True gross yield (all-in)

5.6%

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: 227 m²
Land: 1036 m²
Style: modern
Condition: new-build
Energy Certificate: A
Private Pool
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

flat roof architecturemulti-level designintegrated pool area

Score Breakdown

ROI
15.65
Visual Appeal
10.2
Ownership Security
13
Location
10.56
Land & Space
12
Rental Demand
5.11
Payback Speed
2
STR Suitability
3

Description

Fantastic modern 3 + 1 bedroom villa in Carvoeir under construction, located on a plot of 1036 square meters and the residence is distributed over 3 floors. The ground floor consists of a fully equipped kitchen of 28 square meters with an open plan to the living room. From the living room you step directly out to the g

Location

📍 37.1047°N, 8.4789°W

· Lagoa/Carvoeiro, Algarve, Portugal

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Idealista.pt
Lagoa/Carvoeiro / Central Algarve

Detached house in Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro

Inventory
4 Beds
Bathrooms
3 Baths
Built Area
227 m²
Land Plot
1036 m²
Tenure
Freehold
Yield Curve Status

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

Go to Source via Idealista.pt

The Investment

Brixfox Score72
GradeB+
Brixfox Intelligence
72B+Strong
Score Breakdown
ROI & Yield79%
Capital Growth76%
Risk Profile73%
Market Demand72%

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
+9.8%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$414K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
4.2%
$5,773/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
23.5 yr
Rental only

Property details

Energy: A
Condition: new-build

Description

Fantastic modern 3 + 1 bedroom villa in Carvoeir under construction, located on a plot of 1036 square meters and the residence is distributed over 3 floors. The ground floor consists of a fully equipped kitchen of 28 square meters with an open plan to the living room. From the living room you step directly out to the g

Income Breakdown

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Nightly Rate (ADR)
$744/night
50% ($342)Brixfox estimate($744/night)200% ($1368)
Occupancy
51%
10%Brixfox estimate(51%)100%

Short-Term Rental

Yearly income
$69,278
Airbnb data$744/night · 51% occupancy
Rental income
$744/night · 51% occ.
$138,713
Running costs (20%)
Utilities, cleaning, maintenance
-$27,743
Income tax (10%)
Indonesian rental income tax
-$38,840
Property tax
Annual property tax
-$2,853
Net income
4.2% ROI
$69,278

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$1,630,435
IMT (transfer tax, investment schedule)$122,283
Imposto de Selo (stamp duty)$13,043
Notary & registration$1,359
Legal / due diligence$24,457
Total acquisition costs$161,141
RenovationMove-in ready
Furnishing & STR launch
4bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$41,359
All-in investment$1,832,935

Gross yield (asking)

8.5%

True gross yield (all-in)

7.6%

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.

$9.1M$6.8M$4.5M$2.3M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $1.5M
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
$1.8M
+22%
Rental Income
+$338K
Total Position
$2.2M
+44%
7.6%/yr
Year 10
Capital Value
$2.2M
+48%
Rental Income
+$731K
Total Position
$3.0M
+97%
7.0%/yr
Year 20
Capital Value
$3.3M
+119%
Rental Income
+$1.7M
Total Position
$5.0M
+233%
6.2%/yr
Year 30
Capital Value
$4.9M
+224%
Rental Income
+$3.0M
Total Position
$7.9M
+426%
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
Average
51% average occupancy
Nightly Rate
Strong
$684 per night
Visual Appeal
Good
6/10 instagrammability
Size & Space
Strong
1036 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $684 — positioned in the top tier
Generous 1036 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 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

31% occ.
3.4%
$4,687/mo
41% occ.
4.6%
$6,271/mo
51% occ.
5.8%
$7,854/mo
current
61% occ.
6.9%
$9,437/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.