Detached house in Monte Encarnado, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro
Detached house in Monte Encarnado, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 2Detached house in Monte Encarnado, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 3Detached house in Monte Encarnado, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 4Detached house in Monte Encarnado, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 5
Grade Avillaluxury

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

Lagoa/Carvoeiro · Central Algarve ·

€550,000

Asking Price (EUR)

7.9%

True Net Yield (Owner, all-in)

5.5%

True Net Yield (Managed, all-in)

12.2%

True Gross Yield

46%

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: €79,077/yr
Average Daily Rate: €469
+33.0% vs area baselineImage quality 8/10 (+3%), Modern/contemporary style (+12%), Has pool (0%), Has view (+10%), Luxury finish (+8%)
Payback Period: 8.7 years
5-yr Capital Value: €722,692
10-yr Capital Value: €879,265
Brixfox Score: 80.1 / 100
Comparable Properties: 10
Data Confidence: 81%
Search Radius: 2 km

True Investment Cost

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

€649,030

+18.0% over asking

Asking price€550,000
IMT — Property transfer tax (investment schedule)€31,830
IS — Stamp duty (0.8%)€4,400
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€8,250
Total acquisition costs€45,730
Renovation€0 — move-in ready
Furnishing & STR launch (3bd × €8000 base, luxury tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€53,300
All-in investment (incl. renovation & furnishing)€649,030

Gross yield (asking price)

14.4%

True gross yield (all-in)

12.2%

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: 3
Bathrooms: 2
Building: 196 m²
Style: contemporary
Condition: excellent
Year Built: 2008
Energy Certificate: B
Private Pool
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

large lagoon-style pool with bridgesman-made canal/water featuremodern resort architecturespacious, bright interiors

Score Breakdown

ROI
24.75
Visual Appeal
14.2
Ownership Security
13
Location
10.56
Land & Space
5.92
Rental Demand
4.62
Payback Speed
4
STR Suitability
3

Description

Enjoy the luxury of a two-bedroom flat located in the confines of a prestigious five-star complex in the central Algarve. Whether you're looking for a family holiday retreat, a rental investment, or a permanent shelter that offers a complete living experience, this residence satisfies all your needs. Immerse yourself i

Location

📍 37.0940°N, 8.4720°W

· Lagoa/Carvoeiro, Algarve, Portugal

View on Villas Key →Also on Idealista.pt
Idealista.pt
Lagoa/Carvoeiro / Central Algarve

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

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

Grade A investment — short-term rental yields 9.8% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score80
GradeA
Brixfox Intelligence
80AExcellent
Score Breakdown
ROI & Yield88%
Capital Growth84%
Risk Profile81%
Market Demand80%

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
+15.3%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$152K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
9.8%
$4,864/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
7 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
10.2 yr
Rental only

Property details

Year built: 2008
Energy: B
Condition: excellent

Description

Enjoy the luxury of a two-bedroom flat located in the confines of a prestigious five-star complex in the central Algarve. Whether you're looking for a family holiday retreat, a rental investment, or a permanent shelter that offers a complete living experience, this residence satisfies all your needs. Immerse yourself i

Income Breakdown

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Nightly Rate (ADR)
$677/night
50% ($311)Brixfox estimate($677/night)200% ($1246)
Occupancy
46%
10%Brixfox estimate(46%)100%

Short-Term Rental

Yearly income
$58,370
Airbnb data$677/night · 46% occupancy
Rental income
$677/night · 46% occ.
$114,262
Running costs (20%)
Utilities, cleaning, maintenance
-$22,852
Income tax (10%)
Indonesian rental income tax
-$31,993
Property tax
Annual property tax
-$1,046
Net income
9.8% ROI
$58,370

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$597,826
IMT (transfer tax, investment schedule)$34,598
Imposto de Selo (stamp duty)$4,783
Notary & registration$1,359
Legal / due diligence$8,967
Total acquisition costs$49,707
RenovationMove-in ready
Furnishing & STR launch
3bd × $8,696 base + appliances, electronics, outdoor, licence, photography, linens.		$55,761
All-in investment$703,293

Gross yield (asking)

19.1%

True gross yield (all-in)

16.2%

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.

$5.0M$3.7M$2.5M$1.2M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $550K
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 10: rental income alone has repaid the full purchase price.
2x return
Year 7: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$669K
+22%
Rental Income
+$285K
Total Position
$954K
+74%
11.7%/yr
Year 10
Capital Value
$814K
+48%
Rental Income
+$616K
Total Position
$1.4M
+160%
10.0%/yr
Year 20
Capital Value
$1.2M
+119%
Rental Income
+$1.4M
Total Position
$2.6M
+381%
8.2%/yr
Year 30
Capital Value
$1.8M
+224%
Rental Income
+$2.6M
Total Position
$4.3M
+689%
7.1%/yr

Location

Lagoa/Carvoeiro

Central Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Strong
9.8% annual return
Occupancy
Average
46% average occupancy
Nightly Rate
Strong
$623 per night
Visual Appeal
Strong
8/10 instagrammability
Size & Space
Weak
0 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

High rental yield at 9.8% — outperforms most villas in this market
Premium nightly rate of $623 — positioned in the top tier
Stunning visuals with 8/10 instagrammability — commands premium nightly rates

Watch Out

Secondary location — rental demand may be lower than premium areas
Occupancy at 46% — 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.
8.5%
$4,237/mo
40% occ.
11.4%
$5,678/mo
46% occ.
13.2%
$6,578/mo
current
56% occ.
16.1%
$8,019/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.