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 Bvillamid-range

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

Lagoa/Carvoeiro · Central Algarve ·

€1.5M

Asking Price (EUR)

2.1%

True Net Yield (Owner, all-in)

1.4%

True Net Yield (Managed, all-in)

3.2%

True Gross Yield

35%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.5 months ago and is currently at 12% 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: €53,788/yr
Average Daily Rate: €425
Payback Period: 34.1 years
5-yr Capital Value: €2.0M
10-yr Capital Value: €2.4M
Brixfox Score: 63.4 / 100
Comparable Properties: 8
Data Confidence: 71%
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)

3.6%

True gross yield (all-in)

3.2%

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: 4
Bathrooms: 4
Building: 227 m²
Land: 1036 m²
Style: modern
Condition: new-build
Energy Certificate: A
Private Pool

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

geometric white facadelarge sliding glass doors

Score Breakdown

ROI
11.16
Visual Appeal
10.2
Ownership Security
13
Location
10.56
Land & Space
12
Rental Demand
3.47
Payback Speed
0
STR Suitability
3

Description

Magnificent detached house with three bedrooms plus one extra made in Carvoeiro! This sensational property, is in the final stages of construction, set on a plot of? 1036m2 and a construction area of? 270m2. The house comprises on the ground floor a living room, an open space kitchen with fantastic patio doors, a fab

Location

📍 37.1063°N, 8.4772°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
4 Baths
Built Area
227 m²
Land Plot
1036 m²
Tenure
Freehold
Yield Curve Status

Grade B investment — short-term rental yields 2.4% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score63
GradeB
Brixfox Intelligence
63BStrong
Score Breakdown
ROI & Yield69%
Capital Growth66%
Risk Profile65%
Market Demand63%

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
+7.9%
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
2.4%
$3,203/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
11 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
42.4 yr
Rental only

Property details

Energy: A
Condition: new-build

Description

Magnificent detached house with three bedrooms plus one extra made in Carvoeiro! This sensational property, is in the final stages of construction, set on a plot of? 1036m2 and a construction area of? 270m2. The house comprises on the ground floor a living room, an open space kitchen with fantastic patio doors, a fab

Income Breakdown

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Nightly Rate (ADR)
$627/night
50% ($288)Brixfox estimate($627/night)200% ($1153)
Occupancy
35%
10%Brixfox estimate(35%)100%

Short-Term Rental

Yearly income
$38,432
Airbnb data$627/night · 35% occupancy
Rental income
$627/night · 35% occ.
$79,396
Running costs (20%)
Utilities, cleaning, maintenance
-$15,879
Income tax (10%)
Indonesian rental income tax
-$22,231
Property tax
Annual property tax
-$2,853
Net income
2.4% ROI
$38,432

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)

4.9%

True gross yield (all-in)

4.3%

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.

$7.5M$5.6M$3.8M$1.9M$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 28: rental income alone has repaid the full purchase price.
2x return
Year 13: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$1.8M
+22%
Rental Income
+$188K
Total Position
$2.0M
+34%
6.1%/yr
Year 10
Capital Value
$2.2M
+48%
Rental Income
+$405K
Total Position
$2.6M
+75%
5.8%/yr
Year 20
Capital Value
$3.3M
+119%
Rental Income
+$950K
Total Position
$4.2M
+182%
5.3%/yr
Year 30
Capital Value
$4.9M
+224%
Rental Income
+$1.7M
Total Position
$6.5M
+336%
5.0%/yr

Location

Lagoa/Carvoeiro

Central Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Weak
2.4% annual return
Occupancy
Weak
35% average occupancy
Nightly Rate
Strong
$577 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 $577 — 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 2.4% 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.
2.8%
$3,765/mo
40% occ.
3.8%
$5,099/mo
35% occ.
3.2%
$4,394/mo
current
45% occ.
4.2%
$5,728/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.