Semi-detached house in Urbanização Serra e Mar, Ferragudo
Semi-detached house in Urbanização Serra e Mar, Ferragudo — image 2Semi-detached house in Urbanização Serra e Mar, Ferragudo — image 3Semi-detached house in Urbanização Serra e Mar, Ferragudo — image 4Semi-detached house in Urbanização Serra e Mar, Ferragudo — image 5
Grade Avillamid-range

Semi-detached house in Urbanização Serra e Mar, Ferragudo

Lagoa/Carvoeiro · Central Algarve ·

€790,000

Asking Price (EUR)

7.1%

True Net Yield (Owner, all-in)

4.9%

True Net Yield (Managed, all-in)

10.9%

True Gross Yield

67%

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: €101,567/yr
Average Daily Rate: €417
Payback Period: 8.8 years
5-yr Capital Value: €1.0M
10-yr Capital Value: €1.3M
Brixfox Score: 78.9 / 100
Comparable Properties: 4
Data Confidence: 62%
Search Radius: 6 km

True Investment Cost

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

€927,935

+17.5% over asking

Asking price€790,000
IMT — Property transfer tax (investment schedule)€47,400
IS — Stamp duty (0.8%)€6,320
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€11,850
Total acquisition costs€66,820
Renovation (est. €55/m² × 513 m²)
Light touch-ups — paint, fixtures, deep clean.		€28,215
(€15,390–€41,040)
Furnishing & STR launch (5bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€42,900
All-in investment (incl. renovation & furnishing)€927,935

Gross yield (asking price)

12.9%

True gross yield (all-in)

10.9%

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: 5
Bathrooms: 4
Building: 513 m²
Land: 634 m²
Style: portuguese-traditional
Condition: good
Year Built: 1996
Energy Certificate: D

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

arched verandalandscaped garden with traditional pottery

Score Breakdown

ROI
24.68
Visual Appeal
8.8
Ownership Security
13
Location
8.4
Land & Space
9.65
Rental Demand
7.39
Payback Speed
4
STR Suitability
3

Description

Villa V5+1, with river views, for Sale, located in Ferragudo, in the Serra e Mar Urbanization: a quiet residential area with easy access to the village center, beaches and Portimão. It has 513m2 of gross construction area and is composed of 3 floors: • Basement (190m2) intended for a garage for 6 cars, bathroom and sto

Location

📍 37.1240°N, 8.5180°W

· Lagoa/Carvoeiro, Algarve, Portugal

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Lagoa/Carvoeiro / Central Algarve

Semi-detached house in Urbanização Serra e Mar, Ferragudo

Inventory
5 Beds
Bathrooms
4 Baths
Built Area
513 m²
Land Plot
634 m²
Tenure
Freehold
Yield Curve Status

Grade A investment — short-term rental yields 9.7% net return annually.

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The Investment

Brixfox Score79
GradeA
Brixfox Intelligence
79AExcellent
Score Breakdown
ROI & Yield87%
Capital Growth83%
Risk Profile80%
Market Demand79%

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
+15.2%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$218K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
9.7%
$6,917/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
7 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
10.3 yr
Rental only

Property details

Year built: 1996
Energy: D
Condition: good

Description

Villa V5+1, with river views, for Sale, located in Ferragudo, in the Serra e Mar Urbanization: a quiet residential area with easy access to the village center, beaches and Portimão. It has 513m2 of gross construction area and is composed of 3 floors: • Basement (190m2) intended for a garage for 6 cars, bathroom and sto

Income Breakdown

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Nightly Rate (ADR)
$602/night
50% ($277)Brixfox estimate($602/night)200% ($1108)
Occupancy
74%
10%Brixfox estimate(74%)100%

Short-Term Rental

Yearly income
$83,007
Airbnb data$602/night · 74% occupancy
Rental income
$602/night · 74% occ.
$162,518
Running costs (20%)
Utilities, cleaning, maintenance
-$32,504
Income tax (10%)
Indonesian rental income tax
-$45,505
Property tax
Annual property tax
-$1,503
Net income
9.7% ROI
$83,007

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$858,696
IMT (transfer tax, investment schedule)$51,522
Imposto de Selo (stamp duty)$6,870
Notary & registration$1,359
Legal / due diligence$12,880
Total acquisition costs$72,630
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$30,668
($16,728–$44,609)
Furnishing & STR launch
5bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$44,457
All-in investment$1,006,451

Gross yield (asking)

18.9%

True gross yield (all-in)

16.1%

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.

$7.1M$5.3M$3.6M$1.8M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $790K
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 10: 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
$961K
+22%
Rental Income
+$405K
Total Position
$1.4M
+73%
11.6%/yr
Year 10
Capital Value
$1.2M
+48%
Rental Income
+$875K
Total Position
$2.0M
+159%
10.0%/yr
Year 20
Capital Value
$1.7M
+119%
Rental Income
+$2.1M
Total Position
$3.8M
+379%
8.1%/yr
Year 30
Capital Value
$2.6M
+224%
Rental Income
+$3.6M
Total Position
$6.2M
+684%
7.1%/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
9.7% annual return
Occupancy
Good
74% average occupancy
Nightly Rate
Strong
$554 per night
Visual Appeal
Average
5/10 instagrammability
Size & Space
Strong
634 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

High rental yield at 9.7% — outperforms most villas in this market
Premium nightly rate of $554 — positioned in the top tier
Generous 634 m² land — room for expansion or amenities

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

This villa is a strong investment. High rental demand and good returns make it suitable for both active and passive investors.

Risks & What-If

What if occupancy changes?

Owner Managed scenario

54% occ.
9.5%
$6,789/mo
64% occ.
11.3%
$8,072/mo
74% occ.
13.1%
$9,354/mo
current
84% occ.
14.9%
$10,637/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.