Detached house in Estrada de Benagil, Caramujeira - Vale d'El Rei - Benagil, Lagoa e Carvoeiro
Detached house in Estrada de Benagil, Caramujeira - Vale d'El Rei - Benagil, Lagoa e Carvoeiro — image 2Detached house in Estrada de Benagil, Caramujeira - Vale d'El Rei - Benagil, Lagoa e Carvoeiro — image 3Detached house in Estrada de Benagil, Caramujeira - Vale d'El Rei - Benagil, Lagoa e Carvoeiro — image 4Detached house in Estrada de Benagil, Caramujeira - Vale d'El Rei - Benagil, Lagoa e Carvoeiro — image 5
Grade B+villa

Detached house in Estrada de Benagil, Caramujeira - Vale d'El Rei - Benagil, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€995,000

Asking Price (EUR)

3.9%

True Net Yield (Owner, all-in)

2.7%

True Net Yield (Managed, all-in)

5.9%

True Gross Yield

40%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.5 months ago and is currently at 13% maturity. Yields shown apply a conservative calibration (realised-ADR factor 0.74, occupancy cap 66%) that auto-fades to full fidelity by April 2027.

Projected Gross Revenue: €69,172/yr
Average Daily Rate: €472
Payback Period: 17.6 years
5-yr Capital Value: €1.3M
10-yr Capital Value: €1.6M
Brixfox Score: 65.1 / 100
Comparable Properties: 6
Data Confidence: 67%
Search Radius: 3 km

True Investment Cost

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

€1.2M

+17.1% over asking

Asking price€995,000
IMT — Property transfer tax (investment schedule)€59,700
IS — Stamp duty (0.8%)€7,960
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€14,925
Total acquisition costs€83,835
Renovation (est. €200/m² × 244 m², from finish level)
Condition & finish level not reported — shown as a moderate contingency. Verify on site visit.		€48,800
(€24,400–€73,200)
Furnishing & STR launch (4bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€37,550
All-in investment (incl. renovation & furnishing)€1.2M

Gross yield (asking price)

7.0%

True gross yield (all-in)

5.9%

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: 244 m²
Year Built: 1999

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Score Breakdown

ROI
16.5
Visual Appeal
10
Ownership Security
13
Location
10.56
Land & Space
6
Rental Demand
4.02
Payback Speed
2
STR Suitability
3

Description

Set in a prime Algarve location near the stunning coastline, this beautifully presented four-bedroom villa offers the perfect blend of comfort, style, and convenience. Ideally situated close to the renowned beaches of Praia de Benagil and Praia da Marinha, and just a short drive from the charming town of Carvoeiro, the

Location

📍 37.0897°N, 8.4199°W

· Lagoa/Carvoeiro, Algarve, Portugal

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Idealista.pt
Lagoa/Carvoeiro / Central Algarve

Detached house in Estrada de Benagil, Caramujeira - Vale d'El Rei - Benagil, Lagoa e Carvoeiro

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

Grade B+ investment — short-term rental yields 4.7% net return annually.

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The Investment

Brixfox Score65
GradeB+
Brixfox Intelligence
65B+Strong
Score Breakdown
ROI & Yield72%
Capital Growth68%
Risk Profile67%
Market Demand65%

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
+10.2%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$275K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
4.7%
$4,256/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
9 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
21.2 yr
Rental only

Property details

Year built: 1999

Description

Set in a prime Algarve location near the stunning coastline, this beautifully presented four-bedroom villa offers the perfect blend of comfort, style, and convenience. Ideally situated close to the renowned beaches of Praia de Benagil and Praia da Marinha, and just a short drive from the charming town of Carvoeiro, the

Income Breakdown

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Nightly Rate (ADR)
$695/night
50% ($319)Brixfox estimate($695/night)200% ($1278)
Occupancy
40%
10%Brixfox estimate(40%)100%

Short-Term Rental

Yearly income
$51,075
Airbnb data$695/night · 40% occupancy
Rental income
$695/night · 40% occ.
$101,861
Running costs (20%)
Utilities, cleaning, maintenance
-$20,372
Income tax (10%)
Indonesian rental income tax
-$28,521
Property tax
Annual property tax
-$1,893
Net income
4.7% ROI
$51,075

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$1,081,522
IMT (transfer tax, investment schedule)$64,891
Imposto de Selo (stamp duty)$8,652
Notary & registration$1,359
Legal / due diligence$16,223
Total acquisition costs$91,125
Renovation (~$217/m², from finish level)
Condition & finish level not reported — shown as a moderate contingency. Verify on site visit.		$53,043
($26,522–$79,565)
Furnishing & STR launch
4bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$38,641
All-in investment$1,264,332

Gross yield (asking)

9.4%

True gross yield (all-in)

8.1%

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.

$6.3M$4.7M$3.1M$1.6M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $995K
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 17: rental income alone has repaid the full purchase price.
2x return
Year 10: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$1.2M
+22%
Rental Income
+$249K
Total Position
$1.5M
+47%
8.0%/yr
Year 10
Capital Value
$1.5M
+48%
Rental Income
+$539K
Total Position
$2.0M
+102%
7.3%/yr
Year 20
Capital Value
$2.2M
+119%
Rental Income
+$1.3M
Total Position
$3.4M
+246%
6.4%/yr
Year 30
Capital Value
$3.2M
+224%
Rental Income
+$2.2M
Total Position
$5.5M
+449%
5.8%/yr

Location

Lagoa/Carvoeiro

Central Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Average
4.7% annual return
Occupancy
Weak
40% average occupancy
Nightly Rate
Strong
$639 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 $639 — 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 4.7% is near 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.
4.7%
$4,279/mo
40% occ.
6.4%
$5,758/mo
current
40% occ.
6.4%
$5,784/mo
current
50% occ.
8.1%
$7,263/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.