Terraced house, Urbanização Terraços de Benagil, Caramujeira - Vale d'El Rei - Benagil, Lagoa e Carvoeiro
Terraced house, Urbanização Terraços de Benagil, Caramujeira - Vale d'El Rei - Benagil, Lagoa e Carvoeiro — image 2Terraced house, Urbanização Terraços de Benagil, Caramujeira - Vale d'El Rei - Benagil, Lagoa e Carvoeiro — image 3Terraced house, Urbanização Terraços de Benagil, Caramujeira - Vale d'El Rei - Benagil, Lagoa e Carvoeiro — image 4Terraced house, Urbanização Terraços de Benagil, Caramujeira - Vale d'El Rei - Benagil, Lagoa e Carvoeiro — image 5
Grade Bvillamid-range

Terraced house, Urbanização Terraços de Benagil, Caramujeira - Vale d'El Rei - Benagil, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€605,000

Asking Price (EUR)

1.9%

True Net Yield (Owner, all-in)

1.3%

True Net Yield (Managed, all-in)

2.9%

True Gross Yield

30%

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: €19,957/yr
Average Daily Rate: €185
+3.0% vs area baselinePortuguese-traditional style (+5%), No pool (-12%), Has view (+10%)
Payback Period: 37.4 years
5-yr Capital Value: €794,961
10-yr Capital Value: €967,192
Brixfox Score: 55.1 / 100
Comparable Properties: 19
Data Confidence: 87%
Search Radius: 2 km

True Investment Cost

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

€689,130

+13.9% over asking

Asking price€605,000
IMT — Property transfer tax (investment schedule)€36,230
IS — Stamp duty (0.8%)€4,840
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€9,075
Total acquisition costs€51,395
Renovation (est. €55/m² × 107 m²)
Light touch-ups — paint, fixtures, deep clean.		€5,885
(€3,210–€8,560)
Furnishing & STR launch (2bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€26,850
All-in investment (incl. renovation & furnishing)€689,130

Gross yield (asking price)

3.3%

True gross yield (all-in)

2.9%

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: 3
Building: 107 m²
Land: 69 m²
Style: portuguese-traditional
Condition: good
Year Built: 2003
Energy Certificate: D
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

traditional portuguese chimneyazulejo-style wall lanternrooftop terrace with sea view

Score Breakdown

ROI
10.81
Visual Appeal
12.8
Ownership Security
13
Location
10.56
Land & Space
1.96
Rental Demand
2.95
Payback Speed
0
STR Suitability
3

Description

Excellent two-storey, two-bedroom semi-detached villa on the Benagil Terraces, within walking distance of Benagil Beach and Carvalho, in Lagoa, Algarve The villa is developed on two floors: Ground Floor: - Garden and Terrace; -Living room; -Kitchen; - Bathroom. 1st Floor: - 2 bedrooms, one of them Ensuite with Bathr

Location

📍 37.0851°N, 8.4284°W

· Lagoa/Carvoeiro, Algarve, Portugal

View on City Home Imobiliária →Also on Idealista.pt
Idealista.pt
Lagoa/Carvoeiro / Central Algarve

Terraced house, Urbanização Terraços de Benagil, Caramujeira - Vale d'El Rei - Benagil, Lagoa e Carvoeiro

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

Grade B investment — short-term rental yields 2.1% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score55
GradeB
Brixfox Intelligence
55BStrong
Score Breakdown
ROI & Yield61%
Capital Growth58%
Risk Profile57%
Market Demand55%

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
+7.7%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$167K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
2.1%
$1,170/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
12 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
46.8 yr
Rental only

Property details

Year built: 2003
Energy: D
Condition: good

Description

Excellent two-storey, two-bedroom semi-detached villa on the Benagil Terraces, within walking distance of Benagil Beach and Carvalho, in Lagoa, Algarve The villa is developed on two floors: Ground Floor: - Garden and Terrace; -Living room; -Kitchen; - Bathroom. 1st Floor: - 2 bedrooms, one of them Ensuite with Bathr

Income Breakdown

Adjust Forecast

Customize your projections
Nightly Rate (ADR)
$271/night
50% ($125)Brixfox estimate($271/night)200% ($499)
Occupancy
30%
10%Brixfox estimate(30%)100%

Short-Term Rental

Yearly income
$14,045
Airbnb data$271/night · 30% occupancy
Rental income
$271/night · 30% occ.
$29,223
Running costs (20%)
Utilities, cleaning, maintenance
-$5,845
Income tax (10%)
Indonesian rental income tax
-$8,182
Property tax
Annual property tax
-$1,151
Net income
2.1% ROI
$14,045

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$657,609
IMT (transfer tax, investment schedule)$39,380
Imposto de Selo (stamp duty)$5,261
Notary & registration$1,359
Legal / due diligence$9,864
Total acquisition costs$55,864
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$6,397
($3,489–$9,304)
Furnishing & STR launch
2bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$27,011
All-in investment$746,880

Gross yield (asking)

4.4%

True gross yield (all-in)

3.9%

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.

$3.0M$2.2M$1.5M$741K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $605K
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 30: rental income alone has repaid the full purchase price.
2x return
Year 14: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$736K
+22%
Rental Income
+$69K
Total Position
$805K
+33%
5.9%/yr
Year 10
Capital Value
$896K
+48%
Rental Income
+$148K
Total Position
$1.0M
+73%
5.6%/yr
Year 20
Capital Value
$1.3M
+119%
Rental Income
+$347K
Total Position
$1.7M
+177%
5.2%/yr
Year 30
Capital Value
$2.0M
+224%
Rental Income
+$615K
Total Position
$2.6M
+326%
4.9%/yr

Location

Lagoa/Carvoeiro

Central Algarve, Approximate area

Loading Map...

Airbnb Comp Analysis

No nearby Airbnb listings found

Ask Brixfox AI

Conversational analysis — questions about this listing, answered from real data.

Try one of these

Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Weak
2.1% annual return
Occupancy
Weak
30% average occupancy
Nightly Rate
Strong
$249 per night
Visual Appeal
Good
7/10 instagrammability
Size & Space
Weak
69 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $249 — positioned in the top tier
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Yield of 2.1% 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.
3.0%
$1,635/mo
current
40% occ.
4.0%
$2,212/mo
30% occ.
2.9%
$1,609/mo
current
40% occ.
4.0%
$2,186/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.