Terraced house in Rua Infante Dom Henrique, 128, Ferragudo, Lagoa (Algarve)
Terraced house in Rua Infante Dom Henrique, 128, Ferragudo, Lagoa (Algarve) — image 2Terraced house in Rua Infante Dom Henrique, 128, Ferragudo, Lagoa (Algarve) — image 3Terraced house in Rua Infante Dom Henrique, 128, Ferragudo, Lagoa (Algarve) — image 4Terraced house in Rua Infante Dom Henrique, 128, Ferragudo, Lagoa (Algarve) — image 5
Grade Bvillabudget

Terraced house in Rua Infante Dom Henrique, 128, Ferragudo, Lagoa (Algarve)

Lagoa/Carvoeiro · Central Algarve ·

€229,000

Asking Price (EUR)

4.8%

True Net Yield (Owner, all-in)

3.3%

True Net Yield (Managed, all-in)

7.3%

True Gross Yield

47%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.4 months ago and is currently at 11% maturity. Yields shown apply a conservative calibration (realised-ADR factor 0.73, occupancy cap 66%) that auto-fades to full fidelity by April 2027.

Projected Gross Revenue: €22,224/yr
Average Daily Rate: €129
Payback Period: 12.6 years
5-yr Capital Value: €300,903
10-yr Capital Value: €366,094
Brixfox Score: 63.9 / 100
Comparable Properties: 86
Data Confidence: 86%
Search Radius: 2 km

True Investment Cost

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

€302,794

+32.2% over asking

Asking price€229,000
IMT — Property transfer tax (investment schedule)€7,027
IS — Stamp duty (0.8%)€1,832
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€3,435
Total acquisition costs€13,544
Renovation (est. €900/m² × 46 m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		€41,400
(€32,200–€50,600)
Furnishing & STR launch (2bd × €2500 base, budget tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€18,850
All-in investment (incl. renovation & furnishing)€302,794

Gross yield (asking price)

9.7%

True gross yield (all-in)

7.3%

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: 1
Building: 46 m²
Style: portuguese-traditional
Condition: needs-renovation
Energy Certificate: Not indicated

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

traditional blue and white exteriorrope chandelier

Score Breakdown

ROI
20.03
Visual Appeal
8.8
Ownership Security
13
Location
8.4
Land & Space
2.92
Rental Demand
4.73
Payback Speed
3
STR Suitability
3

Description

Typical House in Ferragudo Potential T1+1 with Premium Location WE DO NOT ACCEPT CONTACTS FROM REAL ESTATE AGENCIES OR BROKERS. Investment opportunity in the historic center of Ferragudo, on Rua Infante Dom Henrique. This typical 46 m² house is registered with 4 rooms, presenting itself as a T1+1. Property Highlight

Location

📍 37.1297°N, 8.5217°W

· Lagoa/Carvoeiro, Algarve, Portugal

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Lagoa/Carvoeiro / Central Algarve

Terraced house in Rua Infante Dom Henrique, 128, Ferragudo, Lagoa (Algarve)

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

Grade B investment — short-term rental yields 6.7% net return annually.

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The Investment

Brixfox Score64
GradeB
Brixfox Intelligence
64BStrong
Score Breakdown
ROI & Yield70%
Capital Growth67%
Risk Profile66%
Market Demand64%

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
+12.2%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$63K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
6.7%
$1,389/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
8 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
14.9 yr
Rental only

Property details

Energy: Not indicated
Condition: needs-renovation

Description

Typical House in Ferragudo Potential T1+1 with Premium Location WE DO NOT ACCEPT CONTACTS FROM REAL ESTATE AGENCIES OR BROKERS. Investment opportunity in the historic center of Ferragudo, on Rua Infante Dom Henrique. This typical 46 m² house is registered with 4 rooms, presenting itself as a T1+1. Property Highlight

Income Breakdown

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Nightly Rate (ADR)
$191/night
50% ($88)Brixfox estimate($191/night)200% ($351)
Occupancy
47%
10%Brixfox estimate(47%)100%

Short-Term Rental

Yearly income
$16,671
Airbnb data$191/night · 47% occupancy
Rental income
$191/night · 47% occ.
$32,898
Running costs (20%)
Utilities, cleaning, maintenance
-$6,580
Income tax (10%)
Indonesian rental income tax
-$9,211
Property tax
Annual property tax
-$436
Net income
6.7% ROI
$16,671

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$248,913
IMT (transfer tax, investment schedule)$7,638
Imposto de Selo (stamp duty)$1,991
Notary & registration$1,359
Legal / due diligence$3,734
Total acquisition costs$14,722
Renovation (~$978/m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		$45,000
($35,000–$55,000)
Furnishing & STR launch
2bd × $2,717 base + appliances, electronics, outdoor, licence, photography, linens.		$18,315
All-in investment$326,950

Gross yield (asking)

13.2%

True gross yield (all-in)

10.1%

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.

$1.7M$1.3M$847K$423K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $229K
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 13: 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
$279K
+22%
Rental Income
+$81K
Total Position
$360K
+57%
9.5%/yr
Year 10
Capital Value
$339K
+48%
Rental Income
+$176K
Total Position
$515K
+125%
8.4%/yr
Year 20
Capital Value
$502K
+119%
Rental Income
+$412K
Total Position
$914K
+299%
7.2%/yr
Year 30
Capital Value
$743K
+224%
Rental Income
+$730K
Total Position
$1.5M
+543%
6.4%/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
Good
6.7% annual return
Occupancy
Average
47% average occupancy
Nightly Rate
Good
$175 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
Occupancy at 47% — 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.
5.7%
$1,181/mo
40% occ.
7.6%
$1,586/mo
47% occ.
9.1%
$1,883/mo
current
57% occ.
11.0%
$2,288/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.