Detached house in Rua de Areias dos Moinhos, 39, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro
Detached house in Rua de Areias dos Moinhos, 39, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 2Detached house in Rua de Areias dos Moinhos, 39, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 3Detached house in Rua de Areias dos Moinhos, 39, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 4Detached house in Rua de Areias dos Moinhos, 39, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 5
Grade B+villamid-range

Detached house in Rua de Areias dos Moinhos, 39, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€949,000

Asking Price (EUR)

4.1%

True Net Yield (Owner, all-in)

2.8%

True Net Yield (Managed, all-in)

6.3%

True Gross Yield

59%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.8 months ago and is currently at 15% 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: €67,238/yr
Average Daily Rate: €311
Payback Period: 17.4 years
5-yr Capital Value: €1.2M
10-yr Capital Value: €1.5M
Brixfox Score: 73.1 / 100
Comparable Properties: 26
Data Confidence: 90%
Search Radius: 2 km

True Investment Cost

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

€1.1M

+12.9% over asking

Asking price€949,000
IMT — Property transfer tax (investment schedule)€56,940
IS — Stamp duty (0.8%)€7,592
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€14,235
Total acquisition costs€80,017
Renovation (est. €55/m² × 134 m²)
Light touch-ups — paint, fixtures, deep clean.		€7,370
(€4,020–€10,720)
Furnishing & STR launch (3bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€34,700
All-in investment (incl. renovation & furnishing)€1.1M

Gross yield (asking price)

7.1%

True gross yield (all-in)

6.3%

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: 134 m²
Land: 1026 m²
Style: portuguese-traditional
Condition: good
Energy Certificate: C
Private Pool
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

rooftop terrace with sea viewtraditional Portuguese architecturelush mature gardensprivate driveway with gate

Score Breakdown

ROI
16.59
Visual Appeal
10
Ownership Security
13
Location
10.56
Land & Space
12
Rental Demand
5.93
Payback Speed
2
STR Suitability
3

Description

Welcome to Casa Arnella, a beautifully maintained, move-in ready villa in the sought-after neighbourhood of Areias dos Moinhos, just 15 minutes on foot from both the beach and Carvoeiro’s vibrant centre. This charming property offers stunning sea views, a mature garden, and a seamless blend of comfort and Mediterranean

Location

📍 37.0982°N, 8.4556°W

· Lagoa/Carvoeiro, Algarve, Portugal

View on Fado Real Estate (WIJU Vision LDA) →Also on Idealista.pt
Idealista.pt
Lagoa/Carvoeiro / Central Algarve

Detached house in Rua de Areias dos Moinhos, 39, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro

Inventory
3 Beds
Bathrooms
2 Baths
Built Area
134 m²
Land Plot
1026 m²
Tenure
Freehold
Yield Curve Status

Grade B+ investment — short-term rental yields 4.8% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score73
GradeB+
Brixfox Intelligence
73B+Strong
Score Breakdown
ROI & Yield80%
Capital Growth77%
Risk Profile74%
Market Demand73%

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
+10.3%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$262K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
4.8%
$4,105/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
9 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
20.9 yr
Rental only

Property details

Energy: C
Condition: good

Description

Welcome to Casa Arnella, a beautifully maintained, move-in ready villa in the sought-after neighbourhood of Areias dos Moinhos, just 15 minutes on foot from both the beach and Carvoeiro’s vibrant centre. This charming property offers stunning sea views, a mature garden, and a seamless blend of comfort and Mediterranean

Income Breakdown

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Nightly Rate (ADR)
$454/night
50% ($209)Brixfox estimate($454/night)200% ($835)
Occupancy
59%
10%Brixfox estimate(59%)100%

Short-Term Rental

Yearly income
$49,255
Airbnb data$454/night · 59% occupancy
Rental income
$454/night · 59% occ.
$98,193
Running costs (20%)
Utilities, cleaning, maintenance
-$19,639
Income tax (10%)
Indonesian rental income tax
-$27,494
Property tax
Annual property tax
-$1,805
Net income
4.8% ROI
$49,255

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$1,031,522
IMT (transfer tax, investment schedule)$61,891
Imposto de Selo (stamp duty)$8,252
Notary & registration$1,359
Legal / due diligence$15,473
Total acquisition costs$86,975
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$8,011
($4,370–$11,652)
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$35,543
All-in investment$1,162,051

Gross yield (asking)

9.5%

True gross yield (all-in)

8.5%

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.

$6.0M$4.5M$3.0M$1.5M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $949K
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 17: rental income alone has repaid the full purchase price.
2x return
Year 10: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$1.2M
+22%
Rental Income
+$241K
Total Position
$1.4M
+47%
8.0%/yr
Year 10
Capital Value
$1.4M
+48%
Rental Income
+$519K
Total Position
$1.9M
+103%
7.3%/yr
Year 20
Capital Value
$2.1M
+119%
Rental Income
+$1.2M
Total Position
$3.3M
+247%
6.4%/yr
Year 30
Capital Value
$3.1M
+224%
Rental Income
+$2.2M
Total Position
$5.2M
+452%
5.9%/yr

Location

Lagoa/Carvoeiro

Central Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Average
4.8% annual return
Occupancy
Average
59% average occupancy
Nightly Rate
Strong
$417 per night
Visual Appeal
Good
7/10 instagrammability
Size & Space
Strong
1026 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $417 — positioned in the top tier
Generous 1026 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 4.8% 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

39% occ.
4.2%
$3,646/mo
49% occ.
5.4%
$4,612/mo
59% occ.
6.5%
$5,578/mo
current
69% occ.
7.6%
$6,543/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.