Detached house in Urbanização do Sargaçal, Chinicato - Sargaçal, Lagos
Detached house in Urbanização do Sargaçal, Chinicato - Sargaçal, Lagos — image 2Detached house in Urbanização do Sargaçal, Chinicato - Sargaçal, Lagos — image 3Detached house in Urbanização do Sargaçal, Chinicato - Sargaçal, Lagos — image 4Detached house in Urbanização do Sargaçal, Chinicato - Sargaçal, Lagos — image 5
Grade B+villamid-range

Detached house in Urbanização do Sargaçal, Chinicato - Sargaçal, Lagos

Lagos · Western Algarve ·

€695,000

Asking Price (EUR)

5.6%

True Net Yield (Owner, all-in)

3.9%

True Net Yield (Managed, all-in)

8.6%

True Gross Yield

22%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 2.1 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: €69,607/yr
Average Daily Rate: €860
+5.0% vs area baselinePortuguese-traditional style (+5%), Has pool (0%)
Payback Period: 12.5 years
5-yr Capital Value: €913,220
10-yr Capital Value: €1.1M
Brixfox Score: 73.6 / 100
Comparable Properties: 11
Data Confidence: 62%
Search Radius: 6 km

True Investment Cost

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

€806,360

+16.0% over asking

Asking price€695,000
IMT — Property transfer tax (investment schedule)€41,700
IS — Stamp duty (0.8%)€5,560
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€10,425
Total acquisition costs€58,935
Renovation (est. €55/m² × 225 m²)
Light touch-ups — paint, fixtures, deep clean.		€12,375
(€6,750–€18,000)
Furnishing & STR launch (4bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€40,050
All-in investment (incl. renovation & furnishing)€806,360

Gross yield (asking price)

10.0%

True gross yield (all-in)

8.6%

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: 4
Bathrooms: 3
Building: 225 m²
Land: 616 m²
Style: portuguese-traditional
Condition: good
Year Built: 2003
Energy Certificate: C
Private Pool

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

covered outdoor dining areaprivate poolspacious patio

Score Breakdown

ROI
20.12
Visual Appeal
10.2
Ownership Security
13
Location
10.44
Land & Space
11.65
Rental Demand
2.22
Payback Speed
3
STR Suitability
3

Description

Ground Floor House with 4 Bedrooms and Pool in a Quiet Area Near Lagos Discover this charming ground floor house located in a quiet area, just minutes from the stunning beaches of Lagos. With 4 spacious bedrooms and 3 bathrooms, this property offers the comfort and tranquility you are looking for. Main Features: Loc

Location

📍 37.1028°N, 8.6731°W

· Lagos, Algarve, Portugal

View on PERA Premium Properties →Also on Idealista.pt
Idealista.pt
Lagos / Western Algarve

Detached house in Urbanização do Sargaçal, Chinicato - Sargaçal, Lagos

Inventory
4 Beds
Bathrooms
3 Baths
Built Area
225 m²
Land Plot
616 m²
Tenure
Freehold
Yield Curve Status

Grade B+ investment — short-term rental yields 6.7% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score74
GradeB+
Brixfox Intelligence
74B+Strong
Score Breakdown
ROI & Yield81%
Capital Growth78%
Risk Profile75%
Market Demand74%

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
+12.3%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$192K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
6.7%
$4,248/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
14.8 yr
Rental only

Property details

Year built: 2003
Energy: C
Condition: good

Description

Ground Floor House with 4 Bedrooms and Pool in a Quiet Area Near Lagos Discover this charming ground floor house located in a quiet area, just minutes from the stunning beaches of Lagos. With 4 spacious bedrooms and 3 bathrooms, this property offers the comfort and tranquility you are looking for. Main Features: Loc

Income Breakdown

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Nightly Rate (ADR)
$1,242/night
50% ($571)Brixfox estimate($1,242/night)200% ($2286)
Occupancy
22%
10%Brixfox estimate(22%)100%

Short-Term Rental

Yearly income
$50,975
Airbnb data$1,242/night · 22% occupancy
Rental income
$1,242/night · 22% occ.
$100,572
Running costs (20%)
Utilities, cleaning, maintenance
-$20,114
Income tax (10%)
Indonesian rental income tax
-$28,160
Property tax
Annual property tax
-$1,322
Net income
6.7% ROI
$50,975

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$755,435
IMT (transfer tax, investment schedule)$45,326
Imposto de Selo (stamp duty)$6,043
Notary & registration$1,359
Legal / due diligence$11,332
Total acquisition costs$64,060
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$13,451
($7,337–$19,565)
Furnishing & STR launch
4bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$41,359
All-in investment$874,304

Gross yield (asking)

13.3%

True gross yield (all-in)

11.5%

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.

$5.2M$3.9M$2.6M$1.3M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $695K
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
$846K
+22%
Rental Income
+$249K
Total Position
$1.1M
+57%
9.5%/yr
Year 10
Capital Value
$1.0M
+48%
Rental Income
+$538K
Total Position
$1.6M
+125%
8.5%/yr
Year 20
Capital Value
$1.5M
+119%
Rental Income
+$1.3M
Total Position
$2.8M
+300%
7.2%/yr
Year 30
Capital Value
$2.3M
+224%
Rental Income
+$2.2M
Total Position
$4.5M
+545%
6.4%/yr

Location

Lagos

Western Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Good
6.7% annual return
Occupancy
Weak
22% average occupancy
Nightly Rate
Strong
$1143 per night
Visual Appeal
Good
6/10 instagrammability
Size & Space
Strong
616 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $1143 — positioned in the top tier
Generous 616 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
Occupancy at 22% — factor in seasonal gaps

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

30% occ.
12.4%
$7,825/mo
40% occ.
16.6%
$10,470/mo
22% occ.
9.1%
$5,757/mo
current
32% occ.
13.3%
$8,402/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.