T2 flat in Torralta, Lagos Cidade, Lagos
T2 flat in Torralta, Lagos Cidade, Lagos — image 2T2 flat in Torralta, Lagos Cidade, Lagos — image 3T2 flat in Torralta, Lagos Cidade, Lagos — image 4T2 flat in Torralta, Lagos Cidade, Lagos — image 5
Grade B+apartmentmid-range

T2 flat in Torralta, Lagos Cidade, Lagos

Lagos · Western Algarve ·

€350,000

Asking Price (EUR)

7.3%

True Net Yield (Owner, all-in)

5.1%

True Net Yield (Managed, all-in)

11.2%

True Gross Yield

63%

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: €45,580/yr
Average Daily Rate: €198
Payback Period: 9.6 years
5-yr Capital Value: €459,895
10-yr Capital Value: €559,532
Brixfox Score: 74.8 / 100
Comparable Properties: 93
Data Confidence: 96%
Search Radius: 2 km

True Investment Cost

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

€405,920

+16.0% over asking

Asking price€350,000
IMT — Property transfer tax (investment schedule)€15,830
IS — Stamp duty (0.8%)€2,800
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€5,250
Total acquisition costs€25,130
Renovation (est. €55/m² × 108 m²)
Light touch-ups — paint, fixtures, deep clean.		€5,940
(€3,240–€8,640)
Furnishing & STR launch (2bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€24,850
All-in investment (incl. renovation & furnishing)€405,920

Gross yield (asking price)

13.0%

True gross yield (all-in)

11.2%

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: 2
Bathrooms: 1
Building: 108 m²
Style: dated
Condition: good
Energy Certificate: C
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

fireplace

Score Breakdown

ROI
23.86
Visual Appeal
10
Ownership Security
13
Location
10.44
Land & Space
4.16
Rental Demand
6.3
Payback Speed
4
STR Suitability
3

Description

The Perfect Balance of Comfort and Location. Discover this fantastic 2 bedroom apartment, located in one of the most desirable areas of Lagos, where the proximity to the sea is combined with the comfort of a well-planned home. Located on a 4th floor with elevator, this property stands out for its natural light and uno

Location

📍 37.0944°N, 8.6808°W

· Lagos, Algarve, Portugal

View on Zonas Mágicas →Also on Idealista.pt
Idealista.pt
Lagos / Western Algarve

T2 flat in Torralta, Lagos Cidade, Lagos

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

Grade B+ investment — short-term rental yields 8.9% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score75
GradeB+
Brixfox Intelligence
75B+Strong
Score Breakdown
ROI & Yield83%
Capital Growth79%
Risk Profile76%
Market Demand75%

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
+14.4%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$97K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
8.9%
$2,807/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
7 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
11.3 yr
Rental only

Property details

Energy: C
Condition: good

Description

The Perfect Balance of Comfort and Location. Discover this fantastic 2 bedroom apartment, located in one of the most desirable areas of Lagos, where the proximity to the sea is combined with the comfort of a well-planned home. Located on a 4th floor with elevator, this property stands out for its natural light and uno

Income Breakdown

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Nightly Rate (ADR)
$287/night
50% ($132)Brixfox estimate($287/night)200% ($529)
Occupancy
63%
10%Brixfox estimate(63%)100%

Short-Term Rental

Yearly income
$33,679
Airbnb data$287/night · 63% occupancy
Rental income
$287/night · 63% occ.
$66,047
Running costs (20%)
Utilities, cleaning, maintenance
-$13,209
Income tax (10%)
Indonesian rental income tax
-$18,493
Property tax
Annual property tax
-$666
Net income
8.9% ROI
$33,679

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$380,435
IMT (transfer tax, investment schedule)$17,207
Imposto de Selo (stamp duty)$3,043
Notary & registration$1,359
Legal / due diligence$5,707
Total acquisition costs$27,315
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$6,457
($3,522–$9,391)
Furnishing & STR launch
2bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$27,011
All-in investment$441,217

Gross yield (asking)

17.4%

True gross yield (all-in)

15.0%

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.

$3.0M$2.3M$1.5M$750K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $350K
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 10: 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
$426K
+22%
Rental Income
+$164K
Total Position
$590K
+69%
11.0%/yr
Year 10
Capital Value
$518K
+48%
Rental Income
+$355K
Total Position
$873K
+150%
9.6%/yr
Year 20
Capital Value
$767K
+119%
Rental Income
+$833K
Total Position
$1.6M
+357%
7.9%/yr
Year 30
Capital Value
$1.1M
+224%
Rental Income
+$1.5M
Total Position
$2.6M
+646%
6.9%/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
Strong
8.9% annual return
Occupancy
Good
63% average occupancy
Nightly Rate
Strong
$264 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

High rental yield at 8.9% — outperforms most villas in this market
Premium nightly rate of $264 — positioned in the top tier
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

43% occ.
8.1%
$2,574/mo
53% occ.
10.0%
$3,185/mo
63% occ.
12.0%
$3,797/mo
current
73% occ.
13.9%
$4,409/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.