Quinta in Montinhos da Luz, Luz
Quinta in Montinhos da Luz, Luz — image 2Quinta in Montinhos da Luz, Luz — image 3Quinta in Montinhos da Luz, Luz — image 4Quinta in Montinhos da Luz, Luz — image 5
Grade C+villabudget

Quinta in Montinhos da Luz, Luz

Lagos · Western Algarve ·

€1.1M

Asking Price (EUR)

0.6%

True Net Yield (Owner, all-in)

0.4%

True Net Yield (Managed, all-in)

1.0%

True Gross Yield

50%

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: €15,471/yr
Average Daily Rate: €84
-24.0% vs area baselineImage quality 2/10 (-15%), Portuguese-traditional style (+5%), No pool (-12%), Has view (+10%), Budget finish (-12%)
Payback Period: 92.7 years
5-yr Capital Value: €1.5M
10-yr Capital Value: €1.8M
Brixfox Score: 52.8 / 100
Comparable Properties: 22
Data Confidence: 90%
Search Radius: 2 km

True Investment Cost

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

€1.6M

+36.3% over asking

Asking price€1.1M
IMT — Property transfer tax (investment schedule)€86,250
IS — Stamp duty (0.8%)€9,200
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€17,250
Total acquisition costs€113,950
Renovation (est. €900/m² × 320 m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		€288,000
(€224,000–€352,000)
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)€1.6M

Gross yield (asking price)

1.4%

True gross yield (all-in)

1.0%

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: 320 m²
Land: 211782 m²
Style: portuguese-traditional
Condition: needs-renovation
Energy Certificate: Exempt
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

traditional portuguese architecturerural setting

Score Breakdown

ROI
8.57
Visual Appeal
2.8
Ownership Security
13
Location
8.4
Land & Space
12
Rental Demand
5.04
Payback Speed
0
STR Suitability
3

Description

Beautiful farm located in Montinhos da Luz with a land area of 21,1782, 38 m2 (21.17 ha) with an old house with an area of 320 m2. The property is accessible both by the paved road of Montinhos da Luz and by the national road 125. There is an electricity grid available. The farm also includes some fruit trees (fig and

Location

📍 37.0876°N, 8.7549°W

· Lagos, Algarve, Portugal

View on Portuguese Property Investments →Also on Idealista.pt
Idealista.pt
Lagos / Western Algarve

Quinta in Montinhos da Luz, Luz

Inventory
1 Beds
Bathrooms
1 Baths
Built Area
320 m²
Land Plot
211782 m²
Tenure
Freehold
Yield Curve Status

Grade C+ investment — short-term rental yields 0.8% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score53
GradeC+
Brixfox Intelligence
53C+Moderate
Score Breakdown
ROI & Yield58%
Capital Growth56%
Risk Profile55%
Market Demand53%

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
+6.3%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$318K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
0.8%
$789/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
13 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
—
Rental only

Property details

Energy: Exempt
Condition: needs-renovation

Description

Beautiful farm located in Montinhos da Luz with a land area of 21,1782, 38 m2 (21.17 ha) with an old house with an area of 320 m2. The property is accessible both by the paved road of Montinhos da Luz and by the national road 125. There is an electricity grid available. The farm also includes some fruit trees (fig and

Income Breakdown

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Nightly Rate (ADR)
$122/night
50% ($56)Brixfox estimate($122/night)200% ($224)
Occupancy
50%
10%Brixfox estimate(50%)100%

Short-Term Rental

Yearly income
$9,469
Airbnb data$122/night · 50% occupancy
Rental income
$122/night · 50% occ.
$22,416
Running costs (20%)
Utilities, cleaning, maintenance
-$4,483
Income tax (10%)
Indonesian rental income tax
-$6,277
Property tax
Annual property tax
-$2,188
Net income
0.8% ROI
$9,469

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$1,250,000
IMT (transfer tax, investment schedule)$93,750
Imposto de Selo (stamp duty)$10,000
Notary & registration$1,359
Legal / due diligence$18,750
Total acquisition costs$123,859
Renovation (~$978/m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		$313,043
($243,478–$382,609)
Furnishing & STR launch
1bd × $2,717 base + appliances, electronics, outdoor, licence, photography, linens.		$14,674
All-in investment$1,701,576

Gross yield (asking)

1.8%

True gross yield (all-in)

1.3%

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 Lagos.

$4.8M$3.6M$2.4M$1.2M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 302x ReturnToday: $1.1M
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.
2x return
Year 16: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$1.4M
+22%
Rental Income
+$46K
Total Position
$1.4M
+26%
4.7%/yr
Year 10
Capital Value
$1.7M
+48%
Rental Income
+$100K
Total Position
$1.8M
+57%
4.6%/yr
Year 20
Capital Value
$2.5M
+119%
Rental Income
+$234K
Total Position
$2.8M
+139%
4.5%/yr
Year 30
Capital Value
$3.7M
+224%
Rental Income
+$414K
Total Position
$4.1M
+260%
4.4%/yr

Location

Lagos

Western Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Weak
0.8% annual return
Occupancy
Average
50% average occupancy
Nightly Rate
Average
$112 per night
Visual Appeal
Weak
2/10 instagrammability
Size & Space
Strong
211782 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Generous 211782 m² land — room for expansion or amenities
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Yield of 0.8% is below the market average — model your cashflow carefully

Consider carefully. Returns are below market average for this price point.

Risks & What-If

What if occupancy changes?

Owner Managed scenario

30% occ.
0.6%
$606/mo
40% occ.
0.8%
$866/mo
50% occ.
1.1%
$1,125/mo
current
60% occ.
1.3%
$1,385/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.