Terraced house in Ferragudo, Lagoa (Algarve)
Terraced house in Ferragudo, Lagoa (Algarve) — image 2Terraced house in Ferragudo, Lagoa (Algarve) — image 3Terraced house in Ferragudo, Lagoa (Algarve) — image 4Terraced house in Ferragudo, Lagoa (Algarve) — image 5
Grade Bvillabudget

Terraced house in Ferragudo, Lagoa (Algarve)

Lagoa/Carvoeiro · Central Algarve ·

€325,000

Asking Price (EUR)

2.7%

True Net Yield (Owner, all-in)

1.9%

True Net Yield (Managed, all-in)

4.2%

True Gross Yield

51%

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 0.75, occupancy cap 67%) that auto-fades to full fidelity by April 2027.

Projected Gross Revenue: €17,189/yr
Average Daily Rate: €93
-22.0% vs area baselineImage quality 6/10 (-3%), Portuguese-traditional style (+5%), No pool (-12%), Budget finish (-12%)
Payback Period: 23.4 years
5-yr Capital Value: €427,045
10-yr Capital Value: €519,566
Brixfox Score: 58.9 / 100
Comparable Properties: 90
Data Confidence: 84%
Search Radius: 2 km

True Investment Cost

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

€409,955

+26.1% over asking

Asking price€325,000
IMT — Property transfer tax (investment schedule)€13,830
IS — Stamp duty (0.8%)€2,600
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€4,875
Total acquisition costs€22,555
Renovation (est. €350/m² × 134 m²)
Cosmetic refresh — flooring, paint, bathroom & kitchen updates.		€46,900
(€33,500–€60,300)
Furnishing & STR launch (1bd × €2500 base, budget tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€15,500
All-in investment (incl. renovation & furnishing)€409,955

Gross yield (asking price)

5.3%

True gross yield (all-in)

4.2%

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: 1
Bathrooms: 1
Building: 134 m²
Style: portuguese-traditional
Condition: fair
Year Built: 1951
Energy Certificate: E

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

traditional blue and white exterior facadeexposed wooden beam ceilingsarched doorwayscobblestone street

Score Breakdown

ROI
14.34
Visual Appeal
9.4
Ownership Security
13
Location
8.4
Land & Space
4.68
Rental Demand
5.06
Payback Speed
1
STR Suitability
3

Description

Come and discover this charming one-bedroom house located in the heart of Ferragudo! On the ground floor, the property features a welcoming entrance patio leading to the kitchen, a spacious bathroom equipped with both a bathtub and a shower, one bedroom, a bright living room, and an additional space, on the mezzanine —

Location

📍 37.1218°N, 8.5208°W

· Lagoa/Carvoeiro, Algarve, Portugal

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Idealista.pt
Lagoa/Carvoeiro / Central Algarve

Terraced house in Ferragudo, Lagoa (Algarve)

Inventory
1 Beds
Bathrooms
1 Baths
Built Area
134 m²
Land Plot
0 m²
Tenure
Freehold
Yield Curve Status

Grade B investment — short-term rental yields 3.5% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score59
GradeB
Brixfox Intelligence
59BStrong
Score Breakdown
ROI & Yield65%
Capital Growth62%
Risk Profile61%
Market Demand59%

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
+9.0%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$90K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
3.5%
$1,034/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
10 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
28.5 yr
Rental only

Property details

Year built: 1951
Energy: E
Condition: fair

Description

Come and discover this charming one-bedroom house located in the heart of Ferragudo! On the ground floor, the property features a welcoming entrance patio leading to the kitchen, a spacious bathroom equipped with both a bathtub and a shower, one bedroom, a bright living room, and an additional space, on the mezzanine —

Income Breakdown

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Customize your projections
Nightly Rate (ADR)
$136/night
50% ($62)Brixfox estimate($136/night)200% ($250)
Occupancy
51%
10%Brixfox estimate(51%)100%

Short-Term Rental

Yearly income
$12,404
Airbnb data$136/night · 51% occupancy
Rental income
$136/night · 51% occ.
$25,042
Running costs (20%)
Utilities, cleaning, maintenance
-$5,008
Income tax (10%)
Indonesian rental income tax
-$7,012
Property tax
Annual property tax
-$618
Net income
3.5% ROI
$12,404

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$353,261
IMT (transfer tax, investment schedule)$15,033
Imposto de Selo (stamp duty)$2,826
Notary & registration$1,359
Legal / due diligence$5,299
Total acquisition costs$24,516
Renovation (~$380/m²)
Cosmetic refresh — flooring, paint, bathroom & kitchen updates.		$50,978
($36,413–$65,543)
Furnishing & STR launch
1bd × $2,717 base + appliances, electronics, outdoor, licence, photography, linens.		$14,674
All-in investment$443,429

Gross yield (asking)

7.1%

True gross yield (all-in)

5.6%

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.

$1.8M$1.4M$918K$459K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $325K
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 21: rental income alone has repaid the full purchase price.
2x return
Year 12: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$395K
+22%
Rental Income
+$61K
Total Position
$456K
+40%
7.0%/yr
Year 10
Capital Value
$481K
+48%
Rental Income
+$131K
Total Position
$612K
+88%
6.5%/yr
Year 20
Capital Value
$712K
+119%
Rental Income
+$307K
Total Position
$1.0M
+213%
5.9%/yr
Year 30
Capital Value
$1.1M
+224%
Rental Income
+$543K
Total Position
$1.6M
+391%
5.5%/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
Average
3.5% annual return
Occupancy
Average
51% average occupancy
Nightly Rate
Good
$125 per night
Visual Appeal
Good
6/10 instagrammability
Size & Space
Weak
0 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Yield of 3.5% 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

31% occ.
2.8%
$832/mo
41% occ.
3.8%
$1,121/mo
51% occ.
4.8%
$1,409/mo
current
61% occ.
5.8%
$1,698/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.