Terraced house, Clube Golfemar , Alfanzina, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro
Terraced house, Clube Golfemar , Alfanzina, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 2Terraced house, Clube Golfemar , Alfanzina, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 3Terraced house, Clube Golfemar , Alfanzina, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 4Terraced house, Clube Golfemar , Alfanzina, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 5
Grade B+villamid-range

Terraced house, Clube Golfemar , Alfanzina, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€435,000

Asking Price (EUR)

3.9%

True Net Yield (Owner, all-in)

2.7%

True Net Yield (Managed, all-in)

5.9%

True Gross Yield

45%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.9 months ago and is currently at 16% 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: €29,729/yr
Average Daily Rate: €183
Payback Period: 18.2 years
5-yr Capital Value: €571,584
10-yr Capital Value: €695,419
Brixfox Score: 65.4 / 100
Comparable Properties: 46
Data Confidence: 89%
Search Radius: 2 km

True Investment Cost

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

€501,070

+15.2% over asking

Asking price€435,000
IMT — Property transfer tax (investment schedule)€22,630
IS — Stamp duty (0.8%)€3,480
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€6,525
Total acquisition costs€33,885
Renovation (est. €55/m² × 97 m²)
Light touch-ups — paint, fixtures, deep clean.		€5,335
(€2,910–€7,760)
Furnishing & STR launch (2bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€26,850
All-in investment (incl. renovation & furnishing)€501,070

Gross yield (asking price)

6.8%

True gross yield (all-in)

5.9%

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: 97 m²
Style: portuguese-traditional
Condition: good
Year Built: 2002
Energy Certificate: B-
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

rooftop terrace with sea viewtraditional Portuguese exterior architecturefireplace in living room

Score Breakdown

ROI
16.25
Visual Appeal
12.2
Ownership Security
13
Location
10.56
Land & Space
3.94
Rental Demand
4.45
Payback Speed
2
STR Suitability
3

Description

"T2 semi-detached house, very well presented, offering pleasant outdoor spaces and views towards the Atlantic Ocean. The property features a bright and elegant open-plan living and dining room with a cozy wood-burning fireplace and double-glazed sliding doors that open onto a rear terrace, perfectly positioned to enjoy

Location

📍 37.0971°N, 8.4415°W

· Lagoa/Carvoeiro, Algarve, Portugal

View on Genesiskey - Mediação Imobiliária →Also on Idealista.pt
Idealista.pt
Lagoa/Carvoeiro / Central Algarve

Terraced house, Clube Golfemar , Alfanzina, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro

Inventory
2 Beds
Bathrooms
2 Baths
Built Area
97 m²
Land Plot
0 m²
Tenure
Freehold
Yield Curve Status

Grade B+ investment — short-term rental yields 4.6% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score65
GradeB+
Brixfox Intelligence
65B+Strong
Score Breakdown
ROI & Yield72%
Capital Growth68%
Risk Profile67%
Market Demand65%

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
+10.1%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$120K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
4.6%
$1,804/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
21.8 yr
Rental only

Property details

Year built: 2002
Energy: B-
Condition: good

Description

"T2 semi-detached house, very well presented, offering pleasant outdoor spaces and views towards the Atlantic Ocean. The property features a bright and elegant open-plan living and dining room with a cozy wood-burning fireplace and double-glazed sliding doors that open onto a rear terrace, perfectly positioned to enjoy

Income Breakdown

Adjust Forecast

Customize your projections
Nightly Rate (ADR)
$266/night
50% ($122)Brixfox estimate($266/night)200% ($490)
Occupancy
45%
10%Brixfox estimate(45%)100%

Short-Term Rental

Yearly income
$21,651
Airbnb data$266/night · 45% occupancy
Rental income
$266/night · 45% occ.
$43,228
Running costs (20%)
Utilities, cleaning, maintenance
-$8,646
Income tax (10%)
Indonesian rental income tax
-$12,104
Property tax
Annual property tax
-$827
Net income
4.6% ROI
$21,651

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$472,826
IMT (transfer tax, investment schedule)$24,598
Imposto de Selo (stamp duty)$3,783
Notary & registration$1,359
Legal / due diligence$7,092
Total acquisition costs$36,832
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$5,799
($3,163–$8,435)
Furnishing & STR launch
2bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$27,011
All-in investment$542,467

Gross yield (asking)

9.1%

True gross yield (all-in)

8.0%

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.

$2.7M$2.0M$1.4M$678K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $435K
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 18: 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
$529K
+22%
Rental Income
+$106K
Total Position
$635K
+46%
7.9%/yr
Year 10
Capital Value
$644K
+48%
Rental Income
+$228K
Total Position
$872K
+101%
7.2%/yr
Year 20
Capital Value
$953K
+119%
Rental Income
+$535K
Total Position
$1.5M
+242%
6.3%/yr
Year 30
Capital Value
$1.4M
+224%
Rental Income
+$948K
Total Position
$2.4M
+442%
5.8%/yr

Location

Lagoa/Carvoeiro

Central Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Average
4.6% annual return
Occupancy
Weak
45% average occupancy
Nightly Rate
Strong
$245 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

Premium nightly rate of $245 — positioned in the top tier
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Yield of 4.6% 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

30% occ.
4.1%
$1,631/mo
40% occ.
5.6%
$2,198/mo
45% occ.
6.2%
$2,453/mo
current
55% occ.
7.7%
$3,019/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.