T1 flat in Rua do Clube Carvoeiro, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro
T1 flat in Rua do Clube Carvoeiro, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 2T1 flat in Rua do Clube Carvoeiro, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 3T1 flat in Rua do Clube Carvoeiro, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 4T1 flat in Rua do Clube Carvoeiro, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 5
Grade B+apartmentmid-range

T1 flat in Rua do Clube Carvoeiro, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€315,000

Asking Price (EUR)

4.4%

True Net Yield (Owner, all-in)

3.1%

True Net Yield (Managed, all-in)

6.8%

True Gross Yield

64%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 2 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: €24,413/yr
Average Daily Rate: €104
Payback Period: 16.1 years
5-yr Capital Value: €413,905
10-yr Capital Value: €503,579
Brixfox Score: 66.4 / 100
Comparable Properties: 27
Data Confidence: 87%
Search Radius: 2 km

True Investment Cost

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

€359,342

+14.1% over asking

Asking price€315,000
IMT — Property transfer tax (investment schedule)€13,047
IS — Stamp duty (0.8%)€2,520
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€4,725
Total acquisition costs€21,542
Renovation (est. €55/m² × 60 m²)
Light touch-ups — paint, fixtures, deep clean.		€3,300
(€1,800–€4,800)
Furnishing & STR launch (1bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€19,500
All-in investment (incl. renovation & furnishing)€359,342

Gross yield (asking price)

7.8%

True gross yield (all-in)

6.8%

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: 60 m²
Style: dated
Condition: good
Year Built: 2003
Energy Certificate: In process
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

balcony with pergolafeature stone wall in hallway

Score Breakdown

ROI
17.36
Visual Appeal
10.8
Ownership Security
13
Location
10.56
Land & Space
3.2
Rental Demand
6.45
Payback Speed
2
STR Suitability
3

Description

This cozy one-bedroom apartment is located in Golden Club, 5 minute from the beach and the lively center of Carvoeiro. In good overall condition, the property features an open-plan living room and kitchen, a bright bedroom, bathroom, and a private balcony perfect for enjoying the Algarve sun. Set in a peaceful reside

Location

📍 37.1006°N, 8.4869°W

· Lagoa/Carvoeiro, Algarve, Portugal

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Idealista.pt
Lagoa/Carvoeiro / Central Algarve

T1 flat in Rua do Clube Carvoeiro, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro

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

Grade B+ investment — short-term rental yields 5.2% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score66
GradeB+
Brixfox Intelligence
66B+Strong
Score Breakdown
ROI & Yield73%
Capital Growth69%
Risk Profile68%
Market Demand66%

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
+10.7%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$87K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
5.2%
$1,485/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
19.2 yr
Rental only

Property details

Year built: 2003
Energy: In process
Condition: good

Description

This cozy one-bedroom apartment is located in Golden Club, 5 minute from the beach and the lively center of Carvoeiro. In good overall condition, the property features an open-plan living room and kitchen, a bright bedroom, bathroom, and a private balcony perfect for enjoying the Algarve sun. Set in a peaceful reside

Income Breakdown

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Nightly Rate (ADR)
$151/night
50% ($69)Brixfox estimate($151/night)200% ($277)
Occupancy
64%
10%Brixfox estimate(64%)100%

Short-Term Rental

Yearly income
$17,825
Airbnb data$151/night · 64% occupancy
Rental income
$151/night · 64% occ.
$35,430
Running costs (20%)
Utilities, cleaning, maintenance
-$7,086
Income tax (10%)
Indonesian rental income tax
-$9,921
Property tax
Annual property tax
-$599
Net income
5.2% ROI
$17,825

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$342,391
IMT (transfer tax, investment schedule)$14,182
Imposto de Selo (stamp duty)$2,739
Notary & registration$1,359
Legal / due diligence$5,136
Total acquisition costs$23,415
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$3,587
($1,957–$5,217)
Furnishing & STR launch
1bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$21,196
All-in investment$390,589

Gross yield (asking)

10.3%

True gross yield (all-in)

9.1%

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.

$2.1M$1.6M$1.0M$518K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $315K
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 16: 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
$383K
+22%
Rental Income
+$87K
Total Position
$470K
+49%
8.3%/yr
Year 10
Capital Value
$466K
+48%
Rental Income
+$188K
Total Position
$654K
+108%
7.6%/yr
Year 20
Capital Value
$690K
+119%
Rental Income
+$441K
Total Position
$1.1M
+259%
6.6%/yr
Year 30
Capital Value
$1.0M
+224%
Rental Income
+$780K
Total Position
$1.8M
+472%
6.0%/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
5.2% annual return
Occupancy
Good
64% average occupancy
Nightly Rate
Good
$139 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
Visual appeal is below average — photos may not compete well on Airbnb listings

Consider carefully. Returns are below market average for this price point.

Risks & What-If

What if occupancy changes?

Owner Managed scenario

44% occ.
4.8%
$1,376/mo
54% occ.
5.9%
$1,696/mo
64% occ.
7.1%
$2,017/mo
current
74% occ.
8.2%
$2,337/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.