Terraced house in Rua Dona Maria Eugénia Júdice Dias Ferreira, 5, Cidade de Lagoa, Lagoa e Carvoeiro
Terraced house in Rua Dona Maria Eugénia Júdice Dias Ferreira, 5, Cidade de Lagoa, Lagoa e Carvoeiro — image 2Terraced house in Rua Dona Maria Eugénia Júdice Dias Ferreira, 5, Cidade de Lagoa, Lagoa e Carvoeiro — image 3Terraced house in Rua Dona Maria Eugénia Júdice Dias Ferreira, 5, Cidade de Lagoa, Lagoa e Carvoeiro — image 4Terraced house in Rua Dona Maria Eugénia Júdice Dias Ferreira, 5, Cidade de Lagoa, Lagoa e Carvoeiro — image 5
Grade Bvillabudget

Terraced house in Rua Dona Maria Eugénia Júdice Dias Ferreira, 5, Cidade de Lagoa, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€120,000

Asking Price (EUR)

3.5%

True Net Yield (Owner, all-in)

2.4%

True Net Yield (Managed, all-in)

5.4%

True Gross Yield

33%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.9 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: €9,507/yr
Average Daily Rate: €79
-31.0% vs area baselineImage quality 3/10 (-12%), Portuguese-traditional style (+5%), No pool (-12%), Budget finish (-12%)
Payback Period: 15.7 years
5-yr Capital Value: €157,678
10-yr Capital Value: €191,840
Brixfox Score: 57.8 / 100
Comparable Properties: 7
Data Confidence: 59%
Search Radius: 3 km

True Investment Cost

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

€176,891

+47.4% over asking

Asking price€120,000
IMT — Property transfer tax (investment schedule)€1,381
IS — Stamp duty (0.8%)€960
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€1,800
Total acquisition costs€5,391
Renovation (est. €900/m² × 40 m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		€36,000
(€28,000–€44,000)
Furnishing & STR launch (1bd × €2500 base, budget tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€15,500
All-in investment (incl. renovation & furnishing)€176,891

Gross yield (asking price)

7.9%

True gross yield (all-in)

5.4%

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: 40 m²
Style: portuguese-traditional
Condition: needs-renovation
Energy Certificate: Exempt

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Score Breakdown

ROI
17.59
Visual Appeal
4.6
Ownership Security
13
Location
10.56
Land & Space
2.8
Rental Demand
3.29
Payback Speed
3
STR Suitability
3

Description

Traditional house in the center of Lagoa with 2 floors. Living room and kitchen on the ground floor and bedroom with bathroom on the 1st floor. In need of renovation with the possibility of adding and improving existing spaces. It does not have a habitation license.

Location

📍 37.1359°N, 8.4497°W

· Lagoa/Carvoeiro, Algarve, Portugal

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Lagoa/Carvoeiro / Central Algarve

Terraced house in Rua Dona Maria Eugénia Júdice Dias Ferreira, 5, Cidade de Lagoa, Lagoa e Carvoeiro

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

Grade B investment — short-term rental yields 5.3% net return annually.

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The Investment

Brixfox Score58
GradeB
Brixfox Intelligence
58BStrong
Score Breakdown
ROI & Yield64%
Capital Growth61%
Risk Profile60%
Market Demand58%

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
+10.9%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$33K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
5.3%
$580/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
18.7 yr
Rental only

Property details

Energy: Exempt
Condition: needs-renovation

Description

Traditional house in the center of Lagoa with 2 floors. Living room and kitchen on the ground floor and bedroom with bathroom on the 1st floor. In need of renovation with the possibility of adding and improving existing spaces. It does not have a habitation license.

Income Breakdown

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Nightly Rate (ADR)
$115/night
50% ($53)Brixfox estimate($115/night)200% ($212)
Occupancy
33%
10%Brixfox estimate(33%)100%

Short-Term Rental

Yearly income
$6,962
Airbnb data$115/night · 33% occupancy
Rental income
$115/night · 33% occ.
$13,827
Running costs (20%)
Utilities, cleaning, maintenance
-$2,765
Income tax (10%)
Indonesian rental income tax
-$3,872
Property tax
Annual property tax
-$228
Net income
5.3% ROI
$6,962

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$130,435
IMT (transfer tax, investment schedule)$1,501
Imposto de Selo (stamp duty)$1,043
Notary & registration$1,359
Legal / due diligence$1,957
Total acquisition costs$5,860
Renovation (~$978/m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		$39,130
($30,435–$47,826)
Furnishing & STR launch
1bd × $2,717 base + appliances, electronics, outdoor, licence, photography, linens.		$14,674
All-in investment$190,099

Gross yield (asking)

10.6%

True gross yield (all-in)

7.3%

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.

$798K$599K$399K$200K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $120K
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
$146K
+22%
Rental Income
+$34K
Total Position
$180K
+50%
8.4%/yr
Year 10
Capital Value
$178K
+48%
Rental Income
+$73K
Total Position
$251K
+109%
7.7%/yr
Year 20
Capital Value
$263K
+119%
Rental Income
+$172K
Total Position
$435K
+263%
6.7%/yr
Year 30
Capital Value
$389K
+224%
Rental Income
+$305K
Total Position
$694K
+478%
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
5.3% annual return
Occupancy
Weak
33% average occupancy
Nightly Rate
Average
$106 per night
Visual Appeal
Weak
2/10 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
Occupancy at 33% — 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.
6.6%
$716/mo
40% occ.
8.8%
$960/mo
33% occ.
7.2%
$788/mo
current
43% occ.
9.5%
$1,032/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.