Terraced house in Ferragudo
Terraced house in Ferragudo — image 2Terraced house in Ferragudo — image 3Terraced house in Ferragudo — image 4Terraced house in Ferragudo — image 5
Grade Avillamid-range

Terraced house in Ferragudo

Lagoa/Carvoeiro · Central Algarve ·

€555,000

Asking Price (EUR)

9.8%

True Net Yield (Owner, all-in)

6.8%

True Net Yield (Managed, all-in)

15.1%

True Gross Yield

54%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 2.1 months ago and is currently at 17% 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: €96,437/yr
Average Daily Rate: €486
Payback Period: 7.2 years
5-yr Capital Value: €729,262
10-yr Capital Value: €887,258
Brixfox Score: 77.7 / 100
Comparable Properties: 6
Data Confidence: 63%
Search Radius: 3 km

True Investment Cost

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

€638,795

+15.1% over asking

Asking price€555,000
IMT — Property transfer tax (investment schedule)€32,230
IS — Stamp duty (0.8%)€4,440
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€8,325
Total acquisition costs€46,245
Renovation€0 — move-in ready
Furnishing & STR launch (4bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€37,550
All-in investment (incl. renovation & furnishing)€638,795

Gross yield (asking price)

17.4%

True gross yield (all-in)

15.1%

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: 111 m²
Style: portuguese-traditional
Condition: excellent
Year Built: 2025
Energy Certificate: C
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

rooftop terrace with water viewstraditional Portuguese facade with yellow trimcobblestone street access

Score Breakdown

ROI
25
Visual Appeal
13.6
Ownership Security
13
Location
8.4
Land & Space
4.22
Rental Demand
5.44
Payback Speed
5
STR Suitability
3

Description

Turnkey Designer Townhouse with Water Views in Ferragudo, Algarve Tucked away in the charming cobbled streets of Ferragudo’s historic centre, just below the iconic Igreja de Nossa Senhora da Conceição, this exceptional townhouse combines authentic Portuguese character with the comfort and quality of a newly built hom

Location

📍 37.1240°N, 8.5180°W

· Lagoa/Carvoeiro, Algarve, Portugal

View on Idealista.pt
Idealista.pt
Lagoa/Carvoeiro / Central Algarve

Terraced house in Ferragudo

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

Grade A investment — short-term rental yields 11.8% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score78
GradeA
Brixfox Intelligence
78AExcellent
Score Breakdown
ROI & Yield86%
Capital Growth82%
Risk Profile79%
Market Demand78%

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
+17.4%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$153K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
11.8%
$5,950/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
6 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
8.4 yr
Rental only

Property details

Year built: 2025
Energy: C
Condition: excellent

Description

Turnkey Designer Townhouse with Water Views in Ferragudo, Algarve Tucked away in the charming cobbled streets of Ferragudo’s historic centre, just below the iconic Igreja de Nossa Senhora da Conceição, this exceptional townhouse combines authentic Portuguese character with the comfort and quality of a newly built hom

Income Breakdown

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Nightly Rate (ADR)
$702/night
50% ($323)Brixfox estimate($702/night)200% ($1292)
Occupancy
54%
10%Brixfox estimate(54%)100%

Short-Term Rental

Yearly income
$71,405
Airbnb data$702/night · 54% occupancy
Rental income
$702/night · 54% occ.
$139,347
Running costs (20%)
Utilities, cleaning, maintenance
-$27,869
Income tax (10%)
Indonesian rental income tax
-$39,017
Property tax
Annual property tax
-$1,056
Net income
11.8% ROI
$71,405

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$603,261
IMT (transfer tax, investment schedule)$35,033
Imposto de Selo (stamp duty)$4,826
Notary & registration$1,359
Legal / due diligence$9,049
Total acquisition costs$50,266
RenovationMove-in ready
Furnishing & STR launch
4bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$38,641
All-in investment$692,168

Gross yield (asking)

23.1%

True gross yield (all-in)

20.1%

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.

$5.7M$4.2M$2.8M$1.4M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $555K
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 8: rental income alone has repaid the full purchase price.
2x return
Year 6: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$675K
+22%
Rental Income
+$349K
Total Position
$1.0M
+85%
13.0%/yr
Year 10
Capital Value
$822K
+48%
Rental Income
+$753K
Total Position
$1.6M
+184%
11.0%/yr
Year 20
Capital Value
$1.2M
+119%
Rental Income
+$1.8M
Total Position
$3.0M
+437%
8.8%/yr
Year 30
Capital Value
$1.8M
+224%
Rental Income
+$3.1M
Total Position
$4.9M
+787%
7.5%/yr

Location

Lagoa/Carvoeiro

Central Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Strong
11.8% annual return
Occupancy
Average
54% average occupancy
Nightly Rate
Strong
$646 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 11.8% — outperforms most villas in this market
Premium nightly rate of $646 — 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 54% — 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

34% occ.
10.0%
$5,051/mo
44% occ.
13.0%
$6,545/mo
54% occ.
16.0%
$8,040/mo
current
64% occ.
19.0%
$9,535/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.