T1 flat in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro
T1 flat in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 2T1 flat in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 3T1 flat in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 4T1 flat in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 5
Grade B+apartmentmid-range

T1 flat in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€140,000

Asking Price (EUR)

11.9%

True Net Yield (Owner, all-in)

8.2%

True Net Yield (Managed, all-in)

18.2%

True Gross Yield

51%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.5 months ago and is currently at 13% maturity. Yields shown apply a conservative calibration (realised-ADR factor 0.74, occupancy cap 66%) that auto-fades to full fidelity by April 2027.

Projected Gross Revenue: €30,708/yr
Average Daily Rate: €163
Payback Period: 5.6 years
5-yr Capital Value: €183,958
10-yr Capital Value: €223,813
Brixfox Score: 74.9 / 100
Comparable Properties: 48
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.

€168,268

+20.2% over asking

Asking price€140,000
IMT — Property transfer tax (investment schedule)€1,798
IS — Stamp duty (0.8%)€1,120
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€2,100
Total acquisition costs€6,268
Renovation€0 — move-in ready
Furnishing & STR launch (1bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€22,000
All-in investment (incl. renovation & furnishing)€168,268

Gross yield (asking price)

21.9%

True gross yield (all-in)

18.2%

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
Bathrooms: 1
Building: 19 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

long wooden deck around poolpalm trees in gardenexpansive green lawn

Score Breakdown

ROI
25
Visual Appeal
10.8
Ownership Security
13
Location
10.56
Land & Space
2.38
Rental Demand
5.15
Payback Speed
5
STR Suitability
3

Description

1 bedroom apartment next to Praia do Carvoeiro is perfect for those looking for a cozy and well-located property. Inserted in a tourist resort, it has a communal swimming pool, garden and gym, providing an environment of relaxation and well-being. With a fully equipped kitchenette and a balcony overlooking the countrys

Location

📍 37.0948°N, 8.4604°W

· Lagoa/Carvoeiro, Algarve, Portugal

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Idealista.pt
Lagoa/Carvoeiro / Central Algarve

T1 flat in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro

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

Grade B+ investment — short-term rental yields 15.3% net return annually.

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The Investment

Brixfox Score75
GradeB+
Brixfox Intelligence
75B+Strong
Score Breakdown
ROI & Yield83%
Capital Growth79%
Risk Profile76%
Market Demand75%

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
+20.8%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$39K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
15.3%
$1,937/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
5 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
6.5 yr
Rental only

Property details

Year built: 2018
Energy: B-
Condition: excellent

Description

1 bedroom apartment next to Praia do Carvoeiro is perfect for those looking for a cozy and well-located property. Inserted in a tourist resort, it has a communal swimming pool, garden and gym, providing an environment of relaxation and well-being. With a fully equipped kitchenette and a balcony overlooking the countrys

Income Breakdown

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Nightly Rate (ADR)
$241/night
50% ($111)Brixfox estimate($241/night)200% ($443)
Occupancy
51%
10%Brixfox estimate(51%)100%

Short-Term Rental

Yearly income
$23,239
Airbnb data$241/night · 51% occupancy
Rental income
$241/night · 51% occ.
$45,202
Running costs (20%)
Utilities, cleaning, maintenance
-$9,040
Income tax (10%)
Indonesian rental income tax
-$12,657
Property tax
Annual property tax
-$266
Net income
15.3% ROI
$23,239

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$152,174
IMT (transfer tax, investment schedule)$1,954
Imposto de Selo (stamp duty)$1,217
Notary & registration$1,359
Legal / due diligence$2,283
Total acquisition costs$6,813
RenovationMove-in ready
Furnishing & STR launch
1bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$23,913
All-in investment$182,900

Gross yield (asking)

29.7%

True gross yield (all-in)

24.7%

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$846K$423K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $140K
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 7: rental income alone has repaid the full purchase price.
2x return
Year 5: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$170K
+22%
Rental Income
+$114K
Total Position
$284K
+103%
15.2%/yr
Year 10
Capital Value
$207K
+48%
Rental Income
+$245K
Total Position
$452K
+223%
12.4%/yr
Year 20
Capital Value
$307K
+119%
Rental Income
+$574K
Total Position
$881K
+529%
9.6%/yr
Year 30
Capital Value
$454K
+224%
Rental Income
+$1.0M
Total Position
$1.5M
+951%
8.2%/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
15.3% annual return
Occupancy
Average
51% average occupancy
Nightly Rate
Strong
$221 per night
Visual Appeal
Good
7/10 instagrammability
Size & Space
Weak
0 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

High rental yield at 15.3% — outperforms most villas in this market
Premium nightly rate of $221 — positioned in the top tier
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Occupancy at 51% — 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

31% occ.
12.5%
$1,590/mo
41% occ.
16.6%
$2,102/mo
51% occ.
20.6%
$2,615/mo
current
61% occ.
24.7%
$3,127/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.