Detached house in Urbanização Vale de Lapa, 43, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro
Detached house in Urbanização Vale de Lapa, 43, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 2Detached house in Urbanização Vale de Lapa, 43, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 3Detached house in Urbanização Vale de Lapa, 43, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 4Detached house in Urbanização Vale de Lapa, 43, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 5
Grade Bvillamid-range

Detached house in Urbanização Vale de Lapa, 43, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€4.4M

Asking Price (EUR)

0.7%

True Net Yield (Owner, all-in)

0.5%

True Net Yield (Managed, all-in)

1.1%

True Gross Yield

21%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 2.1 months ago and is currently at 17% 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: €53,832/yr
Average Daily Rate: €702
+15.0% vs area baselinePortuguese-traditional style (+5%), Has pool (0%), Has view (+10%)
Payback Period: 102.0 years
5-yr Capital Value: €5.8M
10-yr Capital Value: €7.0M
Brixfox Score: 61.9 / 100
Comparable Properties: 4
Data Confidence: 56%
Search Radius: 6 km

True Investment Cost

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

€4.9M

+11.6% over asking

Asking price€4.4M
IMT — Property transfer tax (investment schedule)€329,625
IS — Stamp duty (0.8%)€35,160
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€65,925
Total acquisition costs€431,960
Renovation (est. €55/m² × 426 m²)
Light touch-ups — paint, fixtures, deep clean.		€23,430
(€12,780–€34,080)
Furnishing & STR launch (7bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€56,100
All-in investment (incl. renovation & furnishing)€4.9M

Gross yield (asking price)

1.2%

True gross yield (all-in)

1.1%

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: 7
Bathrooms: 7
Building: 426 m²
Land: 1520 m²
Style: portuguese-traditional
Condition: good
Year Built: 2005
Energy Certificate: B
Private Pool
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

coastal viewsmultiple properties with poolsproximity to natural landscape

Score Breakdown

ROI
8.43
Visual Appeal
12.8
Ownership Security
13
Location
10.56
Land & Space
12
Rental Demand
2.1
Payback Speed
0
STR Suitability
3

Description

Discover this exclusive 4-bedroom detached villa, set on a clifftop frontline դիր with breathtaking sea views, on a generous 1,520 m² plot with 426 m² of built area plus basement, located in the prestigious Vale de Lapa area. Built to a high standard with premium finishes, the property offers an exceptional indoor-outd

Location

📍 37.0940°N, 8.4720°W

· Lagoa/Carvoeiro, Algarve, Portugal

View on Spy Manor Real Estate →Also on Idealista.pt
Idealista.pt
Lagoa/Carvoeiro / Central Algarve

Detached house in Urbanização Vale de Lapa, 43, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro

Inventory
7 Beds
Bathrooms
7 Baths
Built Area
426 m²
Land Plot
1520 m²
Tenure
Freehold
Yield Curve Status

Grade B investment — short-term rental yields 0.7% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score62
GradeB
Brixfox Intelligence
62BStrong
Score Breakdown
ROI & Yield68%
Capital Growth65%
Risk Profile64%
Market Demand62%

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
+6.2%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$1.2M in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
0.7%
$2,674/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
14 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
—
Rental only

Property details

Year built: 2005
Energy: B
Condition: good

Description

Discover this exclusive 4-bedroom detached villa, set on a clifftop frontline դիր with breathtaking sea views, on a generous 1,520 m² plot with 426 m² of built area plus basement, located in the prestigious Vale de Lapa area. Built to a high standard with premium finishes, the property offers an exceptional indoor-outd

Income Breakdown

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Customize your projections
Nightly Rate (ADR)
$1,015/night
50% ($467)Brixfox estimate($1,015/night)200% ($1867)
Occupancy
21%
10%Brixfox estimate(21%)100%

Short-Term Rental

Yearly income
$32,085
Airbnb data$1,015/night · 21% occupancy
Rental income
$1,015/night · 21% occ.
$77,778
Running costs (20%)
Utilities, cleaning, maintenance
-$15,556
Income tax (10%)
Indonesian rental income tax
-$21,778
Property tax
Annual property tax
-$8,360
Net income
0.7% ROI
$32,085

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$4,777,174
IMT (transfer tax, investment schedule)$358,288
Imposto de Selo (stamp duty)$38,217
Notary & registration$1,359
Legal / due diligence$71,658
Total acquisition costs$469,522
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$25,467
($13,891–$37,043)
Furnishing & STR launch
7bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$58,804
All-in investment$5,330,967

Gross yield (asking)

1.6%

True gross yield (all-in)

1.5%

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.

$18.0M$13.5M$9.0M$4.5M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 302x ReturnToday: $4.4M
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.
2x return
Year 16: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$5.3M
+22%
Rental Income
+$157K
Total Position
$5.5M
+25%
4.6%/yr
Year 10
Capital Value
$6.5M
+48%
Rental Income
+$338K
Total Position
$6.8M
+56%
4.5%/yr
Year 20
Capital Value
$9.6M
+119%
Rental Income
+$793K
Total Position
$10.4M
+137%
4.4%/yr
Year 30
Capital Value
$14.3M
+224%
Rental Income
+$1.4M
Total Position
$15.7M
+256%
4.3%/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
Weak
0.7% annual return
Occupancy
Weak
21% average occupancy
Nightly Rate
Strong
$934 per night
Visual Appeal
Good
7/10 instagrammability
Size & Space
Strong
1520 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $934 — positioned in the top tier
Generous 1520 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 0.7% is below 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.
1.5%
$5,785/mo
40% occ.
2.0%
$7,945/mo
21% occ.
1.0%
$3,840/mo
current
31% occ.
1.5%
$6,001/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.