House in Cidade de Lagoa, Lagoa e Carvoeiro
House in Cidade de Lagoa, Lagoa e Carvoeiro — image 2House in Cidade de Lagoa, Lagoa e Carvoeiro — image 3House in Cidade de Lagoa, Lagoa e Carvoeiro — image 4House in Cidade de Lagoa, Lagoa e Carvoeiro — image 5
Grade B+villabudget

House in Cidade de Lagoa, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€375,000

Asking Price (EUR)

3.3%

True Net Yield (Owner, all-in)

2.3%

True Net Yield (Managed, all-in)

5.1%

True Gross Yield

26%

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: €33,606/yr
Average Daily Rate: €361
Payback Period: 13.8 years
5-yr Capital Value: €492,744
10-yr Capital Value: €599,499
Brixfox Score: 73.1 / 100
Comparable Properties: 12
Data Confidence: 67%
Search Radius: 4 km

True Investment Cost

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

€653,255

+74.2% over asking

Asking price€375,000
IMT — Property transfer tax (investment schedule)€17,830
IS — Stamp duty (0.8%)€3,000
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€5,625
Total acquisition costs€27,705
Renovation (est. €900/m² × 250 m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		€225,000
(€175,000–€275,000)
Furnishing & STR launch (4bd × €2500 base, budget tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€25,550
All-in investment (incl. renovation & furnishing)€653,255

Gross yield (asking price)

9.0%

True gross yield (all-in)

5.1%

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: 4
Bathrooms: 2
Building: 250 m²
Land: 3540 m²
Style: dated
Condition: needs-renovation
Energy Certificate: E

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Score Breakdown

ROI
18.96
Visual Appeal
10
Ownership Security
13
Location
10.56
Land & Space
12
Rental Demand
2.55
Payback Speed
3
STR Suitability
3

Description

House with land in Lagoa, Algarve - Ideal for a Family Getaway! Discover this charming single-story house, situated in a quiet location in Lagoa, Algarve, perfect for those looking for a cozy environment close to beautiful beaches and with easy access to local amenities. Property Features: - Land Area: 3540m² - Buil

Location

📍 37.1314°N, 8.4565°W

· Lagoa/Carvoeiro, Algarve, Portugal

View on IAD Portugal →Also on Idealista.pt
Idealista.pt
Lagoa/Carvoeiro / Central Algarve

House in Cidade de Lagoa, Lagoa e Carvoeiro

Inventory
4 Beds
Bathrooms
2 Baths
Built Area
250 m²
Land Plot
3540 m²
Tenure
Freehold
Yield Curve Status

Grade B+ investment — short-term rental yields 6.1% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score73
GradeB+
Brixfox Intelligence
73B+Strong
Score Breakdown
ROI & Yield80%
Capital Growth77%
Risk Profile74%
Market Demand73%

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
+11.6%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$104K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
6.1%
$2,072/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
16.4 yr
Rental only

Property details

Energy: E
Condition: needs-renovation

Description

House with land in Lagoa, Algarve - Ideal for a Family Getaway! Discover this charming single-story house, situated in a quiet location in Lagoa, Algarve, perfect for those looking for a cozy environment close to beautiful beaches and with easy access to local amenities. Property Features: - Land Area: 3540m² - Buil

Income Breakdown

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Nightly Rate (ADR)
$529/night
50% ($243)Brixfox estimate($529/night)200% ($972)
Occupancy
26%
10%Brixfox estimate(26%)100%

Short-Term Rental

Yearly income
$24,867
Airbnb data$529/night · 26% occupancy
Rental income
$529/night · 26% occ.
$49,192
Running costs (20%)
Utilities, cleaning, maintenance
-$9,838
Income tax (10%)
Indonesian rental income tax
-$13,774
Property tax
Annual property tax
-$713
Net income
6.1% ROI
$24,867

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$407,609
IMT (transfer tax, investment schedule)$19,380
Imposto de Selo (stamp duty)$3,261
Notary & registration$1,359
Legal / due diligence$6,114
Total acquisition costs$30,114
Renovation (~$978/m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		$244,565
($190,217–$298,913)
Furnishing & STR launch
4bd × $2,717 base + appliances, electronics, outdoor, licence, photography, linens.		$25,598
All-in investment$707,886

Gross yield (asking)

12.1%

True gross yield (all-in)

6.9%

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$1.3M$663K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $375K
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 14: 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
$456K
+22%
Rental Income
+$121K
Total Position
$578K
+54%
9.0%/yr
Year 10
Capital Value
$555K
+48%
Rental Income
+$262K
Total Position
$817K
+118%
8.1%/yr
Year 20
Capital Value
$822K
+119%
Rental Income
+$615K
Total Position
$1.4M
+283%
6.9%/yr
Year 30
Capital Value
$1.2M
+224%
Rental Income
+$1.1M
Total Position
$2.3M
+515%
6.2%/yr

Location

Lagoa/Carvoeiro

Central Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Good
6.1% annual return
Occupancy
Weak
26% average occupancy
Nightly Rate
Strong
$486 per night
Visual Appeal
Weak
2/10 instagrammability
Size & Space
Strong
3540 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $486 — positioned in the top tier
Generous 3540 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
Occupancy at 26% — 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.
9.8%
$3,316/mo
40% occ.
13.1%
$4,442/mo
26% occ.
8.3%
$2,810/mo
current
36% occ.
11.6%
$3,935/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.