Terraced house, Urbanização da Grandlinha, Ferragudo, Lagoa (Algarve)
Terraced house, Urbanização da Grandlinha, Ferragudo, Lagoa (Algarve) — image 2Terraced house, Urbanização da Grandlinha, Ferragudo, Lagoa (Algarve) — image 3Terraced house, Urbanização da Grandlinha, Ferragudo, Lagoa (Algarve) — image 4Terraced house, Urbanização da Grandlinha, Ferragudo, Lagoa (Algarve) — image 5
Grade B+villamid-range

Terraced house, Urbanização da Grandlinha, Ferragudo, Lagoa (Algarve)

Lagoa/Carvoeiro · Central Algarve ·

€495,000

Asking Price (EUR)

4.8%

True Net Yield (Owner, all-in)

3.3%

True Net Yield (Managed, all-in)

7.4%

True Gross Yield

43%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.9 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: €42,142/yr
Average Daily Rate: €267
+15.0% vs area baselinePortuguese-traditional style (+5%), Has pool (0%), Has view (+10%)
Payback Period: 14.6 years
5-yr Capital Value: €650,423
10-yr Capital Value: €791,339
Brixfox Score: 66.1 / 100
Comparable Properties: 38
Data Confidence: 88%
Search Radius: 2 km

True Investment Cost

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

€571,730

+15.5% over asking

Asking price€495,000
IMT — Property transfer tax (investment schedule)€27,430
IS — Stamp duty (0.8%)€3,960
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€7,425
Total acquisition costs€40,065
Renovation (est. €55/m² × 133 m²)
Light touch-ups — paint, fixtures, deep clean.		€7,315
(€3,990–€10,640)
Furnishing & STR launch (2bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€29,350
All-in investment (incl. renovation & furnishing)€571,730

Gross yield (asking price)

8.5%

True gross yield (all-in)

7.4%

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: 2
Building: 133 m²
Land: 123 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

private pooloutdoor BBQ areacovered outdoor diningtraditional Portuguese architecture

Score Breakdown

ROI
18.35
Visual Appeal
12.8
Ownership Security
13
Location
8.4
Land & Space
3.2
Rental Demand
4.33
Payback Speed
3
STR Suitability
3

Description

Set in an upmarket gated complex of just 10 properties, this lovely home is walking distance from the beach as well as cafés and restaurants in the quaint fishing village of Ferragudo. A traditional cobblestone driveway leads to this mid-row unit with a private carport, patio and small garden in front of the house.

Location

📍 37.1211°N, 8.5166°W

· Lagoa/Carvoeiro, Algarve, Portugal

View on SeaToSky Homes, Algarve →Also on Idealista.pt
Idealista.pt
Lagoa/Carvoeiro / Central Algarve

Terraced house, Urbanização da Grandlinha, Ferragudo, Lagoa (Algarve)

Inventory
2 Beds
Bathrooms
2 Baths
Built Area
133 m²
Land Plot
123 m²
Tenure
Freehold
Yield Curve Status

Grade B+ investment — short-term rental yields 5.8% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score66
GradeB+
Brixfox Intelligence
66B+Strong
Score Breakdown
ROI & Yield73%
Capital Growth69%
Risk Profile68%
Market Demand66%

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.

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Average annual ROI over 5 years, combining both rental income and property value growth.
Total
+11.3%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$137K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
5.8%
$2,581/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
17.4 yr
Rental only

Property details

Energy: C
Condition: good

Description

Set in an upmarket gated complex of just 10 properties, this lovely home is walking distance from the beach as well as cafés and restaurants in the quaint fishing village of Ferragudo. A traditional cobblestone driveway leads to this mid-row unit with a private carport, patio and small garden in front of the house.

Income Breakdown

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Nightly Rate (ADR)
$388/night
50% ($179)Brixfox estimate($388/night)200% ($715)
Occupancy
43%
10%Brixfox estimate(43%)100%

Short-Term Rental

Yearly income
$30,967
Airbnb data$388/night · 43% occupancy
Rental income
$388/night · 43% occ.
$61,362
Running costs (20%)
Utilities, cleaning, maintenance
-$12,272
Income tax (10%)
Indonesian rental income tax
-$17,181
Property tax
Annual property tax
-$942
Net income
5.8% ROI
$30,967

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$538,043
IMT (transfer tax, investment schedule)$29,815
Imposto de Selo (stamp duty)$4,304
Notary & registration$1,359
Legal / due diligence$8,071
Total acquisition costs$43,549
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$7,951
($4,337–$11,565)
Furnishing & STR launch
2bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$29,728
All-in investment$619,272

Gross yield (asking)

11.4%

True gross yield (all-in)

9.9%

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.

$3.4M$2.6M$1.7M$851K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $495K
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 15: rental income alone has repaid the full purchase price.
2x return
Year 9: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$602K
+22%
Rental Income
+$151K
Total Position
$753K
+52%
8.8%/yr
Year 10
Capital Value
$733K
+48%
Rental Income
+$327K
Total Position
$1.1M
+114%
7.9%/yr
Year 20
Capital Value
$1.1M
+119%
Rental Income
+$766K
Total Position
$1.9M
+274%
6.8%/yr
Year 30
Capital Value
$1.6M
+224%
Rental Income
+$1.4M
Total Position
$3.0M
+498%
6.1%/yr

Location

Lagoa/Carvoeiro

Central Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Good
5.8% annual return
Occupancy
Weak
43% average occupancy
Nightly Rate
Strong
$357 per night
Visual Appeal
Good
7/10 instagrammability
Size & Space
Weak
123 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $357 — positioned in the top tier
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Occupancy at 43% — factor in seasonal gaps

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

Risks & What-If

What if occupancy changes?

Owner Managed scenario

30% occ.
5.4%
$2,403/mo
40% occ.
7.2%
$3,230/mo
43% occ.
7.8%
$3,501/mo
current
53% occ.
9.7%
$4,328/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.