T3 flat in Rua Gonçalves Zarco, Porto de Mós, Lagos Cidade, Lagos
T3 flat in Rua Gonçalves Zarco, Porto de Mós, Lagos Cidade, Lagos — image 2T3 flat in Rua Gonçalves Zarco, Porto de Mós, Lagos Cidade, Lagos — image 3T3 flat in Rua Gonçalves Zarco, Porto de Mós, Lagos Cidade, Lagos — image 4T3 flat in Rua Gonçalves Zarco, Porto de Mós, Lagos Cidade, Lagos — image 5
Grade B+apartmentmid-range

T3 flat in Rua Gonçalves Zarco, Porto de Mós, Lagos Cidade, Lagos

Lagos · Western Algarve ·

€725,000

Asking Price (EUR)

5.7%

True Net Yield (Owner, all-in)

4.0%

True Net Yield (Managed, all-in)

8.8%

True Gross Yield

60%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 2.1 months ago and is currently at 18% 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: €73,662/yr
Average Daily Rate: €335
Payback Period: 12.3 years
5-yr Capital Value: €952,639
10-yr Capital Value: €1.2M
Brixfox Score: 69.7 / 100
Comparable Properties: 44
Data Confidence: 91%
Search Radius: 2 km

True Investment Cost

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

€835,075

+15.2% over asking

Asking price€725,000
IMT — Property transfer tax (investment schedule)€43,500
IS — Stamp duty (0.8%)€5,800
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€10,875
Total acquisition costs€61,425
Renovation (est. €55/m² × 290 m²)
Light touch-ups — paint, fixtures, deep clean.		€15,950
(€8,700–€23,200)
Furnishing & STR launch (3bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€32,700
All-in investment (incl. renovation & furnishing)€835,075

Gross yield (asking price)

10.2%

True gross yield (all-in)

8.8%

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: 3
Building: 290 m²
Style: portuguese-traditional
Condition: good
Year Built: 2009
Energy Certificate: C
Private Pool
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

private pool with integrated jacuzzioutdoor covered lounge areatraditional Portuguese exterior architecturespacious open-plan living areas

Score Breakdown

ROI
20.29
Visual Appeal
10
Ownership Security
13
Location
8.4
Land & Space
6
Rental Demand
6.03
Payback Speed
3
STR Suitability
3

Description

Villas Key is proud to present this stunning duplex apartment in the charming area of Porto de Mós, a true gem that resembles a luxury villa. Upon entering this exclusive property, we are immediately enveloped by a spacious and elegant living room, featuring an impressive high ceiling that provides a sense of grandeur

Location

📍 37.0906°N, 8.6919°W

· Lagos, Algarve, Portugal

View on Villas Key →Also on Idealista.pt
Idealista.pt
Lagos / Western Algarve

T3 flat in Rua Gonçalves Zarco, Porto de Mós, Lagos Cidade, Lagos

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

Grade B+ investment — short-term rental yields 6.8% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score70
GradeB+
Brixfox Intelligence
70B+Strong
Score Breakdown
ROI & Yield77%
Capital Growth74%
Risk Profile72%
Market Demand70%

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
+12.4%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$200K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
6.8%
$4,495/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
14.6 yr
Rental only

Property details

Year built: 2009
Energy: C
Condition: good

Description

Villas Key is proud to present this stunning duplex apartment in the charming area of Porto de Mós, a true gem that resembles a luxury villa. Upon entering this exclusive property, we are immediately enveloped by a spacious and elegant living room, featuring an impressive high ceiling that provides a sense of grandeur

Income Breakdown

Adjust Forecast

Customize your projections
Nightly Rate (ADR)
$484/night
50% ($222)Brixfox estimate($484/night)200% ($890)
Occupancy
60%
10%Brixfox estimate(60%)100%

Short-Term Rental

Yearly income
$53,935
Airbnb data$484/night · 60% occupancy
Rental income
$484/night · 60% occ.
$106,373
Running costs (20%)
Utilities, cleaning, maintenance
-$21,275
Income tax (10%)
Indonesian rental income tax
-$29,784
Property tax
Annual property tax
-$1,379
Net income
6.8% ROI
$53,935

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$788,043
IMT (transfer tax, investment schedule)$47,283
Imposto de Selo (stamp duty)$6,304
Notary & registration$1,359
Legal / due diligence$11,821
Total acquisition costs$66,766
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$17,337
($9,457–$25,217)
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$35,543
All-in investment$907,690

Gross yield (asking)

13.5%

True gross yield (all-in)

11.7%

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.

$5.4M$4.1M$2.7M$1.4M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $725K
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 13: 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
$882K
+22%
Rental Income
+$263K
Total Position
$1.1M
+58%
9.6%/yr
Year 10
Capital Value
$1.1M
+48%
Rental Income
+$569K
Total Position
$1.6M
+126%
8.5%/yr
Year 20
Capital Value
$1.6M
+119%
Rental Income
+$1.3M
Total Position
$2.9M
+303%
7.2%/yr
Year 30
Capital Value
$2.4M
+224%
Rental Income
+$2.4M
Total Position
$4.7M
+550%
6.4%/yr

Location

Lagos

Western Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Good
6.8% annual return
Occupancy
Good
60% average occupancy
Nightly Rate
Strong
$445 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 $445 — positioned in the top tier
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Compact plot at 0 m² — limited expansion potential

This villa is a strong investment. High rental demand and good returns make it suitable for both active and passive investors.

Risks & What-If

What if occupancy changes?

Owner Managed scenario

40% occ.
6.1%
$4,031/mo
50% occ.
7.7%
$5,061/mo
60% occ.
9.3%
$6,090/mo
current
70% occ.
10.8%
$7,120/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.