Semi-detached house in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro
Semi-detached house in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 2Semi-detached house in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 3Semi-detached house in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 4Semi-detached house in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 5
Grade Bvilla

Semi-detached house in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€645,000

Asking Price (EUR)

4.0%

True Net Yield (Owner, all-in)

2.7%

True Net Yield (Managed, all-in)

6.1%

True Gross Yield

33%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.7 months ago and is currently at 14% 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: €47,888/yr
Average Daily Rate: €397
Payback Period: 16.6 years
5-yr Capital Value: €847,520
10-yr Capital Value: €1.0M
Brixfox Score: 64.9 / 100
Comparable Properties: 8
Data Confidence: 65%
Search Radius: 3 km

True Investment Cost

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

€784,935

+21.7% over asking

Asking price€645,000
IMT — Property transfer tax (investment schedule)€38,700
IS — Stamp duty (0.8%)€5,160
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€9,675
Total acquisition costs€54,785
Renovation (est. €200/m² × 238 m², from finish level)
Condition & finish level not reported — shown as a moderate contingency. Verify on site visit.		€47,600
(€23,800–€71,400)
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)€784,935

Gross yield (asking price)

7.4%

True gross yield (all-in)

6.1%

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: 5
Building: 238 m²
Year Built: 2017

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Score Breakdown

ROI
17.04
Visual Appeal
10
Ownership Security
13
Location
10.56
Land & Space
6
Rental Demand
3.3
Payback Speed
2
STR Suitability
3

Description

Elegant Semi-Detached 2+2 Bedroom Villa | Private Pool and Sea Views | Vale de Milho, Carvoeiro Discover this elegant semi-detached 2+2 bedroom villa, south-facing and located in the prestigious Vale de Milho area, offering comfort, privacy, and a sophisticated lifestyle in one of the Algarve's most sought-after locat

Location

📍 37.0970°N, 8.4468°W

· Lagoa/Carvoeiro, Algarve, Portugal

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Idealista.pt
Lagoa/Carvoeiro / Central Algarve

Semi-detached house in Rua de Vale do Milho, Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro

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

Grade B investment — short-term rental yields 5.0% net return annually.

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The Investment

Brixfox Score65
GradeB
Brixfox Intelligence
65BStrong
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
+10.5%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$178K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
5.0%
$2,933/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
19.9 yr
Rental only

Property details

Year built: 2017

Description

Elegant Semi-Detached 2+2 Bedroom Villa | Private Pool and Sea Views | Vale de Milho, Carvoeiro Discover this elegant semi-detached 2+2 bedroom villa, south-facing and located in the prestigious Vale de Milho area, offering comfort, privacy, and a sophisticated lifestyle in one of the Algarve's most sought-after locat

Income Breakdown

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Nightly Rate (ADR)
$581/night
50% ($267)Brixfox estimate($581/night)200% ($1069)
Occupancy
33%
10%Brixfox estimate(33%)100%

Short-Term Rental

Yearly income
$35,193
Airbnb data$581/night · 33% occupancy
Rental income
$581/night · 33% occ.
$70,038
Running costs (20%)
Utilities, cleaning, maintenance
-$14,008
Income tax (10%)
Indonesian rental income tax
-$19,611
Property tax
Annual property tax
-$1,227
Net income
5.0% ROI
$35,193

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$701,087
IMT (transfer tax, investment schedule)$42,065
Imposto de Selo (stamp duty)$5,609
Notary & registration$1,359
Legal / due diligence$10,516
Total acquisition costs$59,549
Renovation (~$217/m², from finish level)
Condition & finish level not reported — shown as a moderate contingency. Verify on site visit.		$51,739
($25,870–$77,609)
Furnishing & STR launch
4bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$38,641
All-in investment$851,016

Gross yield (asking)

10.0%

True gross yield (all-in)

8.2%

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.

$4.2M$3.1M$2.1M$1.0M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $645K
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 16: 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
$785K
+22%
Rental Income
+$172K
Total Position
$957K
+48%
8.2%/yr
Year 10
Capital Value
$955K
+48%
Rental Income
+$371K
Total Position
$1.3M
+106%
7.5%/yr
Year 20
Capital Value
$1.4M
+119%
Rental Income
+$870K
Total Position
$2.3M
+254%
6.5%/yr
Year 30
Capital Value
$2.1M
+224%
Rental Income
+$1.5M
Total Position
$3.6M
+463%
5.9%/yr

Location

Lagoa/Carvoeiro

Central Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Good
5.0% annual return
Occupancy
Weak
33% average occupancy
Nightly Rate
Strong
$535 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 $535 — positioned in the top tier
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Occupancy at 33% — factor in seasonal gaps

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

Risks & What-If

What if occupancy changes?

Owner Managed scenario

30% occ.
6.2%
$3,610/mo
40% occ.
8.3%
$4,847/mo
33% occ.
6.8%
$3,983/mo
current
43% occ.
8.9%
$5,221/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.