T3 flat, Urbanização Marina Park, Marina de Lagos, Lagos Cidade, Lagos
T3 flat, Urbanização Marina Park, Marina de Lagos, Lagos Cidade, Lagos — image 2T3 flat, Urbanização Marina Park, Marina de Lagos, Lagos Cidade, Lagos — image 3T3 flat, Urbanização Marina Park, Marina de Lagos, Lagos Cidade, Lagos — image 4T3 flat, Urbanização Marina Park, Marina de Lagos, Lagos Cidade, Lagos — image 5
Grade B+apartmentmid-range

T3 flat, Urbanização Marina Park, Marina de Lagos, Lagos Cidade, Lagos

Lagos · Western Algarve ·

€550,000

Asking Price (EUR)

6.0%

True Net Yield (Owner, all-in)

4.2%

True Net Yield (Managed, all-in)

9.3%

True Gross Yield

54%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 2 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: €58,207/yr
Average Daily Rate: €298
Payback Period: 11.8 years
5-yr Capital Value: €722,692
10-yr Capital Value: €879,265
Brixfox Score: 70.9 / 100
Comparable Properties: 52
Data Confidence: 93%
Search Radius: 2 km

True Investment Cost

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

€625,930

+13.8% over asking

Asking price€550,000
IMT — Property transfer tax (investment schedule)€31,830
IS — Stamp duty (0.8%)€4,400
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€8,250
Total acquisition costs€45,730
Renovation€0 — move-in ready
Furnishing & STR launch (3bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€30,200
All-in investment (incl. renovation & furnishing)€625,930

Gross yield (asking price)

10.6%

True gross yield (all-in)

9.3%

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: 3
Bathrooms: 2
Building: 115 m²
Style: contemporary
Condition: excellent
Year Built: 2003
Energy Certificate: C
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

large covered balconywooden ceiling on balconyoutdoor dining and lounge area

Score Breakdown

ROI
20.84
Visual Appeal
10
Ownership Security
13
Location
10.44
Land & Space
4.3
Rental Demand
5.35
Payback Speed
4
STR Suitability
3

Description

We present this excellent 3-bedroom apartment, very comfortable and located in a privileged area, ideal for those seeking quality of life, space, and amenities that truly make a difference. The property offers 3 bedrooms and 2 bathrooms, with one of the bedrooms being an en-suite, with direct access to the balconyperf

Location

📍 37.1132°N, 8.6732°W

· Lagos, Algarve, Portugal

View on Lagos Algarve Real Estate →Also on Idealista.pt
Idealista.pt
Lagos / Western Algarve

T3 flat, Urbanização Marina Park, Marina de Lagos, Lagos Cidade, Lagos

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

Grade B+ investment — short-term rental yields 7.2% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score71
GradeB+
Brixfox Intelligence
71B+Strong
Score Breakdown
ROI & Yield78%
Capital Growth75%
Risk Profile72%
Market Demand71%

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
+12.7%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$152K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
7.2%
$3,568/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
14.0 yr
Rental only

Property details

Year built: 2003
Energy: C
Condition: excellent

Description

We present this excellent 3-bedroom apartment, very comfortable and located in a privileged area, ideal for those seeking quality of life, space, and amenities that truly make a difference. The property offers 3 bedrooms and 2 bathrooms, with one of the bedrooms being an en-suite, with direct access to the balconyperf

Income Breakdown

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Customize your projections
Nightly Rate (ADR)
$432/night
50% ($199)Brixfox estimate($432/night)200% ($795)
Occupancy
54%
10%Brixfox estimate(54%)100%

Short-Term Rental

Yearly income
$42,812
Airbnb data$432/night · 54% occupancy
Rental income
$432/night · 54% occ.
$84,343
Running costs (20%)
Utilities, cleaning, maintenance
-$16,869
Income tax (10%)
Indonesian rental income tax
-$23,616
Property tax
Annual property tax
-$1,046
Net income
7.2% ROI
$42,812

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$597,826
IMT (transfer tax, investment schedule)$34,598
Imposto de Selo (stamp duty)$4,783
Notary & registration$1,359
Legal / due diligence$8,967
Total acquisition costs$49,707
RenovationMove-in ready
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$32,826
All-in investment$680,359

Gross yield (asking)

14.1%

True gross yield (all-in)

12.4%

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 Lagos.

$4.2M$3.2M$2.1M$1.1M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $550K
Capital appreciation
Property value growing at +4%/yr based on Lagos 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 12: rental income alone has repaid the full purchase price.
2x return
Year 8: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$669K
+22%
Rental Income
+$209K
Total Position
$878K
+60%
9.8%/yr
Year 10
Capital Value
$814K
+48%
Rental Income
+$452K
Total Position
$1.3M
+130%
8.7%/yr
Year 20
Capital Value
$1.2M
+119%
Rental Income
+$1.1M
Total Position
$2.3M
+312%
7.3%/yr
Year 30
Capital Value
$1.8M
+224%
Rental Income
+$1.9M
Total Position
$3.7M
+565%
6.5%/yr

Location

Lagos

Western 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
7.2% annual return
Occupancy
Average
54% average occupancy
Nightly Rate
Strong
$397 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

Premium nightly rate of $397 — 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.
6.0%
$2,994/mo
44% occ.
7.9%
$3,913/mo
54% occ.
9.7%
$4,833/mo
current
64% occ.
11.5%
$5,753/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.