T1 flat in Rua do Almansor, 22, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro
T1 flat in Rua do Almansor, 22, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 2T1 flat in Rua do Almansor, 22, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 3T1 flat in Rua do Almansor, 22, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 4T1 flat in Rua do Almansor, 22, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 5
Grade Bapartmentbudget

T1 flat in Rua do Almansor, 22, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€535,000

Asking Price (EUR)

2.1%

True Net Yield (Owner, all-in)

1.5%

True Net Yield (Managed, all-in)

3.3%

True Gross Yield

47%

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: €20,398/yr
Average Daily Rate: €118
Payback Period: 32.6 years
5-yr Capital Value: €702,982
10-yr Capital Value: €855,285
Brixfox Score: 56.6 / 100
Comparable Properties: 48
Data Confidence: 91%
Search Radius: 2 km

True Investment Cost

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

€627,335

+17.3% over asking

Asking price€535,000
IMT — Property transfer tax (investment schedule)€30,630
IS — Stamp duty (0.8%)€4,280
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€8,025
Total acquisition costs€44,185
Renovation (est. €350/m² × 99 m²)
Cosmetic refresh — flooring, paint, bathroom & kitchen updates.		€34,650
(€24,750–€44,550)
Furnishing & STR launch (1bd × €2500 base, budget tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€13,500
All-in investment (incl. renovation & furnishing)€627,335

Gross yield (asking price)

3.8%

True gross yield (all-in)

3.3%

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: 1
Building: 99 m²
Style: portuguese-traditional
Condition: fair
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

traditional terracotta roof tilesexterior staircasesea view

Score Breakdown

ROI
11.36
Visual Appeal
10
Ownership Security
13
Location
10.56
Land & Space
3.98
Rental Demand
4.72
Payback Speed
0
STR Suitability
3

Description

Discover this gem: this charming one-bedroom apartment, located in one of Carvoeiro's most iconic spots, next to Algar Seco, with stunning ocean views. Spanning 98.75 m², this property offers a welcoming space, ideal for those seeking comfort and tranquility, just steps from Carvoeiro's center and green spaces, with a

Location

📍 37.0940°N, 8.4720°W

· Lagoa/Carvoeiro, Algarve, Portugal

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Idealista.pt
Lagoa/Carvoeiro / Central Algarve

T1 flat in Rua do Almansor, 22, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro

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

Grade B investment — short-term rental yields 2.5% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score57
GradeB
Brixfox Intelligence
57BStrong
Score Breakdown
ROI & Yield63%
Capital Growth60%
Risk Profile59%
Market Demand57%

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
+8.0%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$148K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
2.5%
$1,201/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
11 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
40.4 yr
Rental only

Property details

Condition: fair

Description

Discover this gem: this charming one-bedroom apartment, located in one of Carvoeiro's most iconic spots, next to Algar Seco, with stunning ocean views. Spanning 98.75 m², this property offers a welcoming space, ideal for those seeking comfort and tranquility, just steps from Carvoeiro's center and green spaces, with a

Income Breakdown

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Nightly Rate (ADR)
$172/night
50% ($79)Brixfox estimate($172/night)200% ($317)
Occupancy
47%
10%Brixfox estimate(47%)100%

Short-Term Rental

Yearly income
$14,410
Airbnb data$172/night · 47% occupancy
Rental income
$172/night · 47% occ.
$29,668
Running costs (20%)
Utilities, cleaning, maintenance
-$5,934
Income tax (10%)
Indonesian rental income tax
-$8,307
Property tax
Annual property tax
-$1,018
Net income
2.5% ROI
$14,410

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$581,522
IMT (transfer tax, investment schedule)$33,293
Imposto de Selo (stamp duty)$4,652
Notary & registration$1,359
Legal / due diligence$8,723
Total acquisition costs$48,027
Renovation (~$380/m²)
Cosmetic refresh — flooring, paint, bathroom & kitchen updates.		$37,663
($26,902–$48,424)
Furnishing & STR launch
1bd × $2,717 base + appliances, electronics, outdoor, licence, photography, linens.		$14,674
All-in investment$681,886

Gross yield (asking)

5.1%

True gross yield (all-in)

4.4%

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$680K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $535K
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 27: rental income alone has repaid the full purchase price.
2x return
Year 13: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$651K
+22%
Rental Income
+$70K
Total Position
$721K
+35%
6.2%/yr
Year 10
Capital Value
$792K
+48%
Rental Income
+$152K
Total Position
$944K
+76%
5.8%/yr
Year 20
Capital Value
$1.2M
+119%
Rental Income
+$356K
Total Position
$1.5M
+186%
5.4%/yr
Year 30
Capital Value
$1.7M
+224%
Rental Income
+$631K
Total Position
$2.4M
+342%
5.1%/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
Weak
2.5% annual return
Occupancy
Average
47% average occupancy
Nightly Rate
Good
$159 per night
Visual Appeal
Average
5/10 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 2.5% is below 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.
2.1%
$1,016/mo
40% occ.
2.9%
$1,383/mo
47% occ.
3.4%
$1,646/mo
current
57% occ.
4.2%
$2,013/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.