Detached house in Caminho do Lago, 8, Monte Gordo
Detached house in Caminho do Lago, 8, Monte Gordo — image 2Detached house in Caminho do Lago, 8, Monte Gordo — image 3Detached house in Caminho do Lago, 8, Monte Gordo — image 4Detached house in Caminho do Lago, 8, Monte Gordo — image 5
Grade Bvilla

Detached house in Caminho do Lago, 8, Monte Gordo

VRSA/Monte Gordo · Eastern Algarve ·

€320,000

Asking Price (EUR)

4.3%

True Net Yield (Owner, all-in)

2.9%

True Net Yield (Managed, all-in)

6.5%

True Gross Yield

34%

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: €25,572/yr
Average Daily Rate: €206
Payback Period: 15.4 years
5-yr Capital Value: €420,475
10-yr Capital Value: €511,572
Brixfox Score: 61 / 100
Comparable Properties: 10
Data Confidence: 80%
Search Radius: 2 km

True Investment Cost

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

€390,640

+22.1% over asking

Asking price€320,000
IMT — Property transfer tax (investment schedule)€13,430
IS — Stamp duty (0.8%)€2,560
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€4,800
Total acquisition costs€22,040
Renovation (est. €200/m² × 82 m², from finish level)
Condition & finish level not reported — shown as a moderate contingency. Verify on site visit.		€16,400
(€8,200–€24,600)
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)€390,640

Gross yield (asking price)

8.0%

True gross yield (all-in)

6.5%

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: 82 m²
Year Built: 1993

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Score Breakdown

ROI
17.73
Visual Appeal
10
Ownership Security
13
Location
7.2
Land & Space
3.64
Rental Demand
3.41
Payback Speed
3
STR Suitability
3

Description

House with Separate Studio and Private Terrace A two-storey house, ideal as a primary residence, holiday home or investment property. On the ground floor is a spacious open-plan area with a kitchen and living room featuring a fireplace, creating a cosy and functional atmosphere.   It also features 3 bedrooms, 2 of whic

Location

📍 37.1827°N, 7.4679°W

· VRSA/Monte Gordo, Algarve, Portugal

View on Idealista.pt
Idealista.pt
VRSA/Monte Gordo / Eastern Algarve

Detached house in Caminho do Lago, 8, Monte Gordo

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

Grade B investment — short-term rental yields 5.4% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score61
GradeB
Brixfox Intelligence
61BStrong
Score Breakdown
ROI & Yield67%
Capital Growth64%
Risk Profile63%
Market Demand61%

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
+9.2%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+3.8%
+$60K in 5yr (+19%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
5.4%
$1,570/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
10 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
18.5 yr
Rental only

Property details

Year built: 1993

Description

House with Separate Studio and Private Terrace A two-storey house, ideal as a primary residence, holiday home or investment property. On the ground floor is a spacious open-plan area with a kitchen and living room featuring a fireplace, creating a cosy and functional atmosphere.   It also features 3 bedrooms, 2 of whic

Income Breakdown

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Nightly Rate (ADR)
$301/night
50% ($138)Brixfox estimate($301/night)200% ($554)
Occupancy
34%
10%Brixfox estimate(34%)100%

Short-Term Rental

Yearly income
$18,839
Airbnb data$301/night · 34% occupancy
Rental income
$301/night · 34% occ.
$37,400
Running costs (20%)
Utilities, cleaning, maintenance
-$7,480
Income tax (10%)
Indonesian rental income tax
-$10,472
Property tax
Annual property tax
-$609
Net income
5.4% ROI
$18,839

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$347,826
IMT (transfer tax, investment schedule)$14,598
Imposto de Selo (stamp duty)$2,783
Notary & registration$1,359
Legal / due diligence$5,217
Total acquisition costs$23,957
Renovation (~$217/m², from finish level)
Condition & finish level not reported — shown as a moderate contingency. Verify on site visit.		$17,826
($8,913–$26,739)
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$32,826
All-in investment$422,435

Gross yield (asking)

10.8%

True gross yield (all-in)

8.9%

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 VRSA/Monte Gordo.

$2.1M$1.6M$1.1M$535K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $320K
Capital appreciation
Property value growing at +4%/yr based on VRSA/Monte Gordo 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 15: 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
$389K
+22%
Rental Income
+$92K
Total Position
$481K
+50%
8.5%/yr
Year 10
Capital Value
$474K
+48%
Rental Income
+$199K
Total Position
$672K
+110%
7.7%/yr
Year 20
Capital Value
$701K
+119%
Rental Income
+$466K
Total Position
$1.2M
+265%
6.7%/yr
Year 30
Capital Value
$1.0M
+224%
Rental Income
+$825K
Total Position
$1.9M
+482%
6.0%/yr

Location

VRSA/Monte Gordo

Eastern Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Good
5.4% annual return
Occupancy
Weak
34% average occupancy
Nightly Rate
Strong
$277 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 $277 — 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 34% — 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.
6.5%
$1,871/mo
40% occ.
8.7%
$2,512/mo
34% occ.
7.4%
$2,131/mo
current
44% occ.
9.6%
$2,772/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.