Detached house in Rua Dona Maria Eugénia Júdice Dias Ferreira, Cidade de Lagoa, Lagoa e Carvoeiro
Detached house in Rua Dona Maria Eugénia Júdice Dias Ferreira, Cidade de Lagoa, Lagoa e Carvoeiro — image 2Detached house in Rua Dona Maria Eugénia Júdice Dias Ferreira, Cidade de Lagoa, Lagoa e Carvoeiro — image 3Detached house in Rua Dona Maria Eugénia Júdice Dias Ferreira, Cidade de Lagoa, Lagoa e Carvoeiro — image 4Detached house in Rua Dona Maria Eugénia Júdice Dias Ferreira, Cidade de Lagoa, Lagoa e Carvoeiro — image 5
Grade B+villabudget

Detached house in Rua Dona Maria Eugénia Júdice Dias Ferreira, Cidade de Lagoa, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€465,000

Asking Price (EUR)

6.9%

True Net Yield (Owner, all-in)

4.8%

True Net Yield (Managed, all-in)

10.6%

True Gross Yield

61%

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: €77,240/yr
Average Daily Rate: €348
-35.0% vs area baselineImage quality 5/10 (-6%), Dated style (-15%), No pool (-12%), Has view (+10%), Budget finish (-12%)
Payback Period: 7.5 years
5-yr Capital Value: €611,003
10-yr Capital Value: €743,379
Brixfox Score: 73.3 / 100
Comparable Properties: 6
Data Confidence: 55%
Search Radius: 4 km

True Investment Cost

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

€725,525

+56.0% over asking

Asking price€465,000
IMT — Property transfer tax (investment schedule)€25,030
IS — Stamp duty (0.8%)€3,720
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€6,975
Total acquisition costs€36,975
Renovation (est. €900/m² × 220 m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		€198,000
(€154,000–€242,000)
Furnishing & STR launch (4bd × €2500 base, budget tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€25,550
All-in investment (incl. renovation & furnishing)€725,525

Gross yield (asking price)

16.6%

True gross yield (all-in)

10.6%

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: 220 m²
Style: dated
Condition: needs-renovation
Energy Certificate: F
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

expansive countryside viewstraditional Portuguese kitchen tiles

Score Breakdown

ROI
25
Visual Appeal
6.8
Ownership Security
13
Location
8.4
Land & Space
6
Rental Demand
6.08
Payback Speed
5
STR Suitability
3

Description

4 Bed villa for sale in Lagoa, Algarve. Two-Storey House with Garden, Commercial Space and Great Potential - Prime Location Introducing this versatile two-storey property, perfect for those looking for a comfortable home with outdoor space or for investors seeking a property with commercial and residential potential. T

Location

📍 37.0940°N, 8.4720°W

· Lagoa/Carvoeiro, Algarve, Portugal

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Lagoa/Carvoeiro / Central Algarve

Detached house in Rua Dona Maria Eugénia Júdice Dias Ferreira, Cidade de Lagoa, Lagoa e Carvoeiro

Inventory
4 Beds
Bathrooms
4 Baths
Built Area
220 m²
Land Plot
0 m²
Tenure
Freehold
Yield Curve Status

Grade B+ investment — short-term rental yields 11.3% 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
+16.8%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$128K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
11.3%
$4,762/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
6 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
8.8 yr
Rental only

Property details

Energy: F
Condition: needs-renovation

Description

4 Bed villa for sale in Lagoa, Algarve. Two-Storey House with Garden, Commercial Space and Great Potential - Prime Location Introducing this versatile two-storey property, perfect for those looking for a comfortable home with outdoor space or for investors seeking a property with commercial and residential potential. T

Income Breakdown

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Nightly Rate (ADR)
$503/night
50% ($231)Brixfox estimate($503/night)200% ($925)
Occupancy
61%
10%Brixfox estimate(61%)100%

Short-Term Rental

Yearly income
$57,146
Airbnb data$503/night · 61% occupancy
Rental income
$503/night · 61% occ.
$111,598
Running costs (20%)
Utilities, cleaning, maintenance
-$22,320
Income tax (10%)
Indonesian rental income tax
-$31,247
Property tax
Annual property tax
-$885
Net income
11.3% ROI
$57,146

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$505,435
IMT (transfer tax, investment schedule)$27,207
Imposto de Selo (stamp duty)$4,043
Notary & registration$1,359
Legal / due diligence$7,582
Total acquisition costs$40,190
Renovation (~$978/m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		$215,217
($167,391–$263,043)
Furnishing & STR launch
4bd × $2,717 base + appliances, electronics, outdoor, licence, photography, linens.		$25,598
All-in investment$786,440

Gross yield (asking)

22.1%

True gross yield (all-in)

14.2%

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.

$4.6M$3.5M$2.3M$1.2M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $465K
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 8: 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
$566K
+22%
Rental Income
+$279K
Total Position
$845K
+82%
12.7%/yr
Year 10
Capital Value
$688K
+48%
Rental Income
+$603K
Total Position
$1.3M
+178%
10.8%/yr
Year 20
Capital Value
$1.0M
+119%
Rental Income
+$1.4M
Total Position
$2.4M
+423%
8.6%/yr
Year 30
Capital Value
$1.5M
+224%
Rental Income
+$2.5M
Total Position
$4.0M
+762%
7.4%/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
Strong
11.3% annual return
Occupancy
Good
61% average occupancy
Nightly Rate
Strong
$462 per night
Visual Appeal
Weak
3/10 instagrammability
Size & Space
Weak
0 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

High rental yield at 11.3% — outperforms most villas in this market
Premium nightly rate of $462 — positioned in the top tier
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Visual appeal is below average — photos may not compete well on Airbnb listings

Consider carefully. Returns are below market average for this price point.

Risks & What-If

What if occupancy changes?

Owner Managed scenario

41% occ.
10.2%
$4,296/mo
51% occ.
12.7%
$5,366/mo
61% occ.
15.3%
$6,436/mo
current
71% occ.
17.8%
$7,506/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.