Terraced house in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro
Terraced house in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 2Terraced house in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 3Terraced house in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 4Terraced house in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 5
Grade B+villaluxury

Terraced house in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€590,000

Asking Price (EUR)

4.1%

True Net Yield (Owner, all-in)

2.8%

True Net Yield (Managed, all-in)

6.3%

True Gross Yield

49%

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: €43,201/yr
Average Daily Rate: €241
+33.0% vs area baselineImage quality 8/10 (+3%), Modern/contemporary style (+12%), Has pool (0%), Has view (+10%), Luxury finish (+8%)
Payback Period: 16.9 years
5-yr Capital Value: €775,251
10-yr Capital Value: €943,212
Brixfox Score: 70.5 / 100
Comparable Properties: 54
Data Confidence: 90%
Search Radius: 2 km

True Investment Cost

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

€684,300

+16.0% over asking

Asking price€590,000
IMT — Property transfer tax (investment schedule)€35,030
IS — Stamp duty (0.8%)€4,720
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€8,850
Total acquisition costs€49,850
Renovation€0 — move-in ready
Furnishing & STR launch (2bd × €8000 base, luxury tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€44,450
All-in investment (incl. renovation & furnishing)€684,300

Gross yield (asking price)

7.3%

True gross yield (all-in)

6.3%

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: 240 m²
Style: contemporary
Condition: excellent
Year Built: 2018
Energy Certificate: B
Private Pool
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

multiple private poolsterraced gardensmodern architectural linesbalconies and outdoor living spaces

Score Breakdown

ROI
16.87
Visual Appeal
14.2
Ownership Security
13
Location
10.56
Land & Space
6
Rental Demand
4.91
Payback Speed
2
STR Suitability
3

Description

Discover this elegant, south-facing luxury semi-detached house in the prestigious Vale de Milho Village in Carvoeiro – an exclusive, gated 5-star resort comprising just 32 residences, beautifully landscaped gardens, a natural lake, and excellent facilities. This property blends comfort, luxury, and a carefree lifestyle

Location

📍 37.0989°N, 8.4470°W

· Lagoa/Carvoeiro, Algarve, Portugal

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Idealista.pt
Lagoa/Carvoeiro / Central Algarve

Terraced house in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro

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

Grade B+ investment — short-term rental yields 4.9% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score71
GradeB+
Brixfox Intelligence
71B+Strong
Score Breakdown
ROI & Yield78%
Capital Growth75%
Risk Profile72%
Market Demand71%

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
+10.5%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$163K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
4.9%
$2,633/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
20.3 yr
Rental only

Property details

Year built: 2018
Energy: B
Condition: excellent

Description

Discover this elegant, south-facing luxury semi-detached house in the prestigious Vale de Milho Village in Carvoeiro – an exclusive, gated 5-star resort comprising just 32 residences, beautifully landscaped gardens, a natural lake, and excellent facilities. This property blends comfort, luxury, and a carefree lifestyle

Income Breakdown

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Nightly Rate (ADR)
$351/night
50% ($161)Brixfox estimate($351/night)200% ($646)
Occupancy
49%
10%Brixfox estimate(49%)100%

Short-Term Rental

Yearly income
$31,595
Airbnb data$351/night · 49% occupancy
Rental income
$351/night · 49% occ.
$62,917
Running costs (20%)
Utilities, cleaning, maintenance
-$12,583
Income tax (10%)
Indonesian rental income tax
-$17,617
Property tax
Annual property tax
-$1,122
Net income
4.9% ROI
$31,595

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$641,304
IMT (transfer tax, investment schedule)$38,076
Imposto de Selo (stamp duty)$5,130
Notary & registration$1,359
Legal / due diligence$9,620
Total acquisition costs$54,185
RenovationMove-in ready
Furnishing & STR launch
2bd × $8,696 base + appliances, electronics, outdoor, licence, photography, linens.		$46,141
All-in investment$741,630

Gross yield (asking)

9.8%

True gross yield (all-in)

8.5%

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.

$3.8M$2.8M$1.9M$948K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $590K
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 17: 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
$718K
+22%
Rental Income
+$154K
Total Position
$872K
+48%
8.1%/yr
Year 10
Capital Value
$873K
+48%
Rental Income
+$333K
Total Position
$1.2M
+105%
7.4%/yr
Year 20
Capital Value
$1.3M
+119%
Rental Income
+$781K
Total Position
$2.1M
+251%
6.5%/yr
Year 30
Capital Value
$1.9M
+224%
Rental Income
+$1.4M
Total Position
$3.3M
+459%
5.9%/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
4.9% annual return
Occupancy
Average
49% average occupancy
Nightly Rate
Strong
$323 per night
Visual Appeal
Strong
8/10 instagrammability
Size & Space
Weak
0 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $323 — positioned in the top tier
Stunning visuals with 8/10 instagrammability — commands premium nightly rates
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Yield of 4.9% 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.
4.0%
$2,149/mo
40% occ.
5.4%
$2,896/mo
49% occ.
6.7%
$3,577/mo
current
59% occ.
8.1%
$4,324/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.