House in Rua do Clube Carvoeiro, Nn, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro
House in Rua do Clube Carvoeiro, Nn, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 2House in Rua do Clube Carvoeiro, Nn, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 3House in Rua do Clube Carvoeiro, Nn, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 4House in Rua do Clube Carvoeiro, Nn, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 5
Grade Bvilla

House in Rua do Clube Carvoeiro, Nn, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€1.4M

Asking Price (EUR)

2.3%

True Net Yield (Owner, all-in)

1.6%

True Net Yield (Managed, all-in)

3.6%

True Gross Yield

44%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.3 months ago and is currently at 11% maturity. Yields shown apply a conservative calibration (realised-ADR factor 0.73, occupancy cap 66%) that auto-fades to full fidelity by April 2027.

Projected Gross Revenue: €58,134/yr
Average Daily Rate: €364
Payback Period: 29.1 years
5-yr Capital Value: €1.8M
10-yr Capital Value: €2.2M
Brixfox Score: 58.8 / 100
Comparable Properties: 18
Data Confidence: 87%
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

+17.8% over asking

Asking price€1.4M
IMT — Property transfer tax (investment schedule)€104,250
IS — Stamp duty (0.8%)€11,120
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€20,850
Total acquisition costs€137,470
Renovation (est. €200/m² × 387 m², from finish level)
Condition & finish level not reported — shown as a moderate contingency. Verify on site visit.		€77,400
(€38,700–€116,100)
Furnishing & STR launch (3bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€32,200
All-in investment (incl. renovation & furnishing)€1.6M

Gross yield (asking price)

4.2%

True gross yield (all-in)

3.6%

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: 3
Bathrooms: 2
Building: 387 m²
Year Built: 1993

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Score Breakdown

ROI
11.88
Visual Appeal
10
Ownership Security
13
Location
10.56
Land & Space
6
Rental Demand
4.38
Payback Speed
0
STR Suitability
3

Description

Set within a tranquil and private setting, this impressive three-bedroom villa offers an exceptional blend of space, comfort and Algarve charm. Boasting a generous built area of 387m², the home features three spacious bedrooms, including a beautifully appointed en-suite. The main living area is bright and inviting, flo

Location

📍 37.1050°N, 8.4818°W

· Lagoa/Carvoeiro, Algarve, Portugal

View on Fine & Country →Also on Idealista.pt
Idealista.pt
Lagoa/Carvoeiro / Central Algarve

House in Rua do Clube Carvoeiro, Nn, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro

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

Grade B investment — short-term rental yields 2.8% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score59
GradeB
Brixfox Intelligence
59BStrong
Score Breakdown
ROI & Yield65%
Capital Growth62%
Risk Profile61%
Market Demand59%

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
+8.3%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$384K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
2.8%
$3,522/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
11 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
35.7 yr
Rental only

Property details

Year built: 1993

Description

Set within a tranquil and private setting, this impressive three-bedroom villa offers an exceptional blend of space, comfort and Algarve charm. Boasting a generous built area of 387m², the home features three spacious bedrooms, including a beautifully appointed en-suite. The main living area is bright and inviting, flo

Income Breakdown

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Nightly Rate (ADR)
$541/night
50% ($249)Brixfox estimate($541/night)200% ($995)
Occupancy
44%
10%Brixfox estimate(44%)100%

Short-Term Rental

Yearly income
$42,268
Airbnb data$541/night · 44% occupancy
Rental income
$541/night · 44% occ.
$86,370
Running costs (20%)
Utilities, cleaning, maintenance
-$17,274
Income tax (10%)
Indonesian rental income tax
-$24,183
Property tax
Annual property tax
-$2,644
Net income
2.8% ROI
$42,268

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$1,510,870
IMT (transfer tax, investment schedule)$113,315
Imposto de Selo (stamp duty)$12,087
Notary & registration$1,359
Legal / due diligence$22,663
Total acquisition costs$149,424
Renovation (~$217/m², from finish level)
Condition & finish level not reported — shown as a moderate contingency. Verify on site visit.		$84,130
($42,065–$126,196)
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$32,826
All-in investment$1,777,250

Gross yield (asking)

5.7%

True gross yield (all-in)

4.9%

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 Lagoa/Carvoeiro.

$7.3M$5.5M$3.7M$1.8M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $1.4M
Capital appreciation
Property value growing at +4%/yr based on Lagoa/Carvoeiro 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 25: rental income alone has repaid the full purchase price.
2x return
Year 13: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$1.7M
+22%
Rental Income
+$206K
Total Position
$1.9M
+37%
6.4%/yr
Year 10
Capital Value
$2.1M
+48%
Rental Income
+$446K
Total Position
$2.5M
+80%
6.1%/yr
Year 20
Capital Value
$3.0M
+119%
Rental Income
+$1.0M
Total Position
$4.1M
+194%
5.5%/yr
Year 30
Capital Value
$4.5M
+224%
Rental Income
+$1.9M
Total Position
$6.4M
+357%
5.2%/yr

Location

Lagoa/Carvoeiro

Central Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Weak
2.8% annual return
Occupancy
Weak
44% average occupancy
Nightly Rate
Strong
$497 per night
Visual Appeal
Average
Not yet analyzed
Size & Space
Weak
0 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $497 — positioned in the top tier
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Yield of 2.8% 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.
2.6%
$3,233/mo
40% occ.
3.5%
$4,384/mo
44% occ.
3.8%
$4,818/mo
current
54% occ.
4.7%
$5,969/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.