Semi-detached house in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro
Semi-detached house in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 2Semi-detached house in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 3Semi-detached house in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 4Semi-detached house in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 5
Grade Bvillamid-range

Semi-detached house in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€445,000

Asking Price (EUR)

3.7%

True Net Yield (Owner, all-in)

2.5%

True Net Yield (Managed, all-in)

5.7%

True Gross Yield

44%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.7 months ago and is currently at 14% 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: €28,951/yr
Average Daily Rate: €179
Payback Period: 18.9 years
5-yr Capital Value: €584,723
10-yr Capital Value: €711,405
Brixfox Score: 62.2 / 100
Comparable Properties: 51
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.

€511,165

+14.9% over asking

Asking price€445,000
IMT — Property transfer tax (investment schedule)€23,430
IS — Stamp duty (0.8%)€3,560
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€6,675
Total acquisition costs€34,915
Renovation (est. €55/m² × 80 m²)
Light touch-ups — paint, fixtures, deep clean.		€4,400
(€2,400–€6,400)
Furnishing & STR launch (2bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€26,850
All-in investment (incl. renovation & furnishing)€511,165

Gross yield (asking price)

6.5%

True gross yield (all-in)

5.7%

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: 80 m²
Land: 101 m²
Style: portuguese-traditional
Condition: good
Year Built: 1986
Energy Certificate: C

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

vaulted ceilings with exposed beamstraditional exterior architecture

Score Breakdown

ROI
15.9
Visual Appeal
10
Ownership Security
13
Location
10.56
Land & Space
3.3
Rental Demand
4.43
Payback Speed
2
STR Suitability
3

Description

Semi-detached house for sale in Rocha Brava Development, Carvoeiro This charming semi-detached house is located in the prestigious Rocha Brava development, one of the most sought-after areas of Carvoeiro, offering an excellent opportunity for those looking to live in comfort and tranquility, close to the sea and the a

Location

📍 37.0915°N, 8.4452°W

· Lagoa/Carvoeiro, Algarve, Portugal

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Idealista.pt
Lagoa/Carvoeiro / Central Algarve

Semi-detached house in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro

Inventory
2 Beds
Bathrooms
2 Baths
Built Area
80 m²
Land Plot
101 m²
Tenure
Freehold
Yield Curve Status

Grade B investment — short-term rental yields 4.4% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score62
GradeB
Brixfox Intelligence
62BStrong
Score Breakdown
ROI & Yield68%
Capital Growth65%
Risk Profile64%
Market Demand62%

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
+9.9%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$123K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
4.4%
$1,767/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
10 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
22.8 yr
Rental only

Property details

Year built: 1986
Energy: C
Condition: good

Description

Semi-detached house for sale in Rocha Brava Development, Carvoeiro This charming semi-detached house is located in the prestigious Rocha Brava development, one of the most sought-after areas of Carvoeiro, offering an excellent opportunity for those looking to live in comfort and tranquility, close to the sea and the a

Income Breakdown

Adjust Forecast

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Nightly Rate (ADR)
$263/night
50% ($121)Brixfox estimate($263/night)200% ($483)
Occupancy
44%
10%Brixfox estimate(44%)100%

Short-Term Rental

Yearly income
$21,201
Airbnb data$263/night · 44% occupancy
Rental income
$263/night · 44% occ.
$42,399
Running costs (20%)
Utilities, cleaning, maintenance
-$8,480
Income tax (10%)
Indonesian rental income tax
-$11,872
Property tax
Annual property tax
-$846
Net income
4.4% ROI
$21,201

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$483,696
IMT (transfer tax, investment schedule)$25,467
Imposto de Selo (stamp duty)$3,870
Notary & registration$1,359
Legal / due diligence$7,255
Total acquisition costs$37,951
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$4,783
($2,609–$6,957)
Furnishing & STR launch
2bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$27,011
All-in investment$553,440

Gross yield (asking)

8.8%

True gross yield (all-in)

7.7%

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.

$2.7M$2.0M$1.4M$682K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $445K
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 18: rental income alone has repaid the full purchase price.
2x return
Year 11: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$541K
+22%
Rental Income
+$104K
Total Position
$645K
+45%
7.7%/yr
Year 10
Capital Value
$659K
+48%
Rental Income
+$224K
Total Position
$882K
+98%
7.1%/yr
Year 20
Capital Value
$975K
+119%
Rental Income
+$524K
Total Position
$1.5M
+237%
6.3%/yr
Year 30
Capital Value
$1.4M
+224%
Rental Income
+$928K
Total Position
$2.4M
+433%
5.7%/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
4.4% annual return
Occupancy
Weak
44% average occupancy
Nightly Rate
Strong
$242 per night
Visual Appeal
Average
5/10 instagrammability
Size & Space
Weak
101 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $242 — positioned in the top tier
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Yield of 4.4% 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%
$1,606/mo
40% occ.
5.4%
$2,165/mo
44% occ.
6.0%
$2,403/mo
current
54% occ.
7.3%
$2,962/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.