House in Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro
House in Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 2House in Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 3House in Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 4House in Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 5
Grade B+villamid-range

House in Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€850,000

Asking Price (EUR)

3.9%

True Net Yield (Owner, all-in)

2.7%

True Net Yield (Managed, all-in)

6.0%

True Gross Yield

54%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.2 months ago and is currently at 10% 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: €58,165/yr
Average Daily Rate: €298
Payback Period: 17.7 years
5-yr Capital Value: €1.1M
10-yr Capital Value: €1.4M
Brixfox Score: 72.4 / 100
Comparable Properties: 20
Data Confidence: 92%
Search Radius: 2 km

True Investment Cost

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

€970,580

+14.2% over asking

Asking price€850,000
IMT — Property transfer tax (investment schedule)€51,000
IS — Stamp duty (0.8%)€6,800
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€12,750
Total acquisition costs€71,800
Renovation (est. €55/m² × 256 m²)
Light touch-ups — paint, fixtures, deep clean.		€14,080
(€7,680–€20,480)
Furnishing & STR launch (3bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€34,700
All-in investment (incl. renovation & furnishing)€970,580

Gross yield (asking price)

6.8%

True gross yield (all-in)

6.0%

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: 3
Bathrooms: 4
Building: 256 m²
Land: 1003 m²
Style: portuguese-traditional
Condition: good
Year Built: 1987
Energy Certificate: C
Private Pool
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

exposed dark wood ceiling beamstraditional brick fireplaceprivate swimming poolsea view

Score Breakdown

ROI
16.45
Visual Appeal
10
Ownership Security
13
Location
10.56
Land & Space
12
Rental Demand
5.36
Payback Speed
2
STR Suitability
3

Description

The entrance hall of the single-storey villa is equipped with handy fitted storage cupboards and leads into a shower bathroom/ guest WC, the spacious fully fitted kitchen with adjoining utility/ storage, internal access into the garage and a separate entrance door leading to an outdoor storage room and to the outside l

Location

📍 37.1054°N, 8.4719°W

· Lagoa/Carvoeiro, Algarve, Portugal

View on Carvoeiro Clube Real Estate →Also on Idealista.pt
Idealista.pt
Lagoa/Carvoeiro / Central Algarve

House in Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro

Inventory
3 Beds
Bathrooms
4 Baths
Built Area
256 m²
Land Plot
1003 m²
Tenure
Freehold
Yield Curve Status

Grade B+ investment — short-term rental yields 4.7% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score72
GradeB+
Brixfox Intelligence
72B+Strong
Score Breakdown
ROI & Yield79%
Capital Growth76%
Risk Profile73%
Market Demand72%

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
+10.2%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$235K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
4.7%
$3,618/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
21.3 yr
Rental only

Property details

Year built: 1987
Energy: C
Condition: good

Description

The entrance hall of the single-storey villa is equipped with handy fitted storage cupboards and leads into a shower bathroom/ guest WC, the spacious fully fitted kitchen with adjoining utility/ storage, internal access into the garage and a separate entrance door leading to an outdoor storage room and to the outside l

Income Breakdown

Adjust Forecast

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Nightly Rate (ADR)
$443/night
50% ($204)Brixfox estimate($443/night)200% ($815)
Occupancy
54%
10%Brixfox estimate(54%)100%

Short-Term Rental

Yearly income
$43,419
Airbnb data$443/night · 54% occupancy
Rental income
$443/night · 54% occ.
$86,608
Running costs (20%)
Utilities, cleaning, maintenance
-$17,322
Income tax (10%)
Indonesian rental income tax
-$24,250
Property tax
Annual property tax
-$1,617
Net income
4.7% ROI
$43,419

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$923,913
IMT (transfer tax, investment schedule)$55,435
Imposto de Selo (stamp duty)$7,391
Notary & registration$1,359
Legal / due diligence$13,859
Total acquisition costs$78,043
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$15,304
($8,348–$22,261)
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$35,543
All-in investment$1,052,804

Gross yield (asking)

9.4%

True gross yield (all-in)

8.2%

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.

$5.4M$4.0M$2.7M$1.3M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $850K
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
$1.0M
+22%
Rental Income
+$212K
Total Position
$1.2M
+47%
8.0%/yr
Year 10
Capital Value
$1.3M
+48%
Rental Income
+$458K
Total Position
$1.7M
+102%
7.3%/yr
Year 20
Capital Value
$1.9M
+119%
Rental Income
+$1.1M
Total Position
$2.9M
+245%
6.4%/yr
Year 30
Capital Value
$2.8M
+224%
Rental Income
+$1.9M
Total Position
$4.7M
+448%
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
4.7% annual return
Occupancy
Average
54% average occupancy
Nightly Rate
Strong
$408 per night
Visual Appeal
Good
7/10 instagrammability
Size & Space
Strong
1003 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $408 — positioned in the top tier
Generous 1003 m² land — room for expansion or amenities
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Yield of 4.7% 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

34% occ.
3.9%
$3,031/mo
44% occ.
5.2%
$3,974/mo
54% occ.
6.4%
$4,917/mo
current
64% occ.
7.6%
$5,861/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.