T3 flat in Marina de Lagos, Lagos Cidade, Lagos
T3 flat in Marina de Lagos, Lagos Cidade, Lagos — image 2T3 flat in Marina de Lagos, Lagos Cidade, Lagos — image 3T3 flat in Marina de Lagos, Lagos Cidade, Lagos — image 4T3 flat in Marina de Lagos, Lagos Cidade, Lagos — image 5
Grade B+apartmentluxury

T3 flat in Marina de Lagos, Lagos Cidade, Lagos

Lagos · Western Algarve ·

€875,000

Asking Price (EUR)

3.8%

True Net Yield (Owner, all-in)

2.6%

True Net Yield (Managed, all-in)

5.8%

True Gross Yield

53%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 2 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: €58,168/yr
Average Daily Rate: €298
Payback Period: 18.8 years
5-yr Capital Value: €1.1M
10-yr Capital Value: €1.4M
Brixfox Score: 65.8 / 100
Comparable Properties: 52
Data Confidence: 93%
Search Radius: 2 km

True Investment Cost

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

€1.0M

+14.3% over asking

Asking price€875,000
IMT — Property transfer tax (investment schedule)€52,500
IS — Stamp duty (0.8%)€7,000
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€13,125
Total acquisition costs€73,875
Renovation€0 — move-in ready
Furnishing & STR launch (3bd × €8000 base, luxury tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€51,300
All-in investment (incl. renovation & furnishing)€1.0M

Gross yield (asking price)

6.7%

True gross yield (all-in)

5.8%

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: 259 m²
Style: modern
Condition: new-build
Energy Certificate: A
Private Pool
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

sleek white architecturelarge glass balconiesintegrated kitchen lightingcommunal pool area

Score Breakdown

ROI
15.99
Visual Appeal
10
Ownership Security
13
Location
10.44
Land & Space
6
Rental Demand
5.35
Payback Speed
2
STR Suitability
3

Description

With a prime location in Lagos, the Jardins de Lagos development offers 20 more apartments in a modern design building, offering stunning views of the sea and the city. This elegant apartment combines modernity and functionality, with an entrance hall that opens onto a spacious living room and kitchen integrated in an

Location

📍 37.1131°N, 8.6729°W

· Lagos, Algarve, Portugal

View on Villas Key →Also on Idealista.pt
Idealista.pt
Lagos / Western Algarve

T3 flat in Marina de Lagos, Lagos Cidade, Lagos

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

Grade B+ investment — short-term rental yields 4.4% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score66
GradeB+
Brixfox Intelligence
66B+Strong
Score Breakdown
ROI & Yield73%
Capital Growth69%
Risk Profile68%
Market Demand66%

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
+10.0%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$242K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
4.4%
$3,514/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
22.6 yr
Rental only

Property details

Energy: A
Condition: new-build

Description

With a prime location in Lagos, the Jardins de Lagos development offers 20 more apartments in a modern design building, offering stunning views of the sea and the city. This elegant apartment combines modernity and functionality, with an entrance hall that opens onto a spacious living room and kitchen integrated in an

Income Breakdown

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Nightly Rate (ADR)
$432/night
50% ($199)Brixfox estimate($432/night)200% ($795)
Occupancy
53%
10%Brixfox estimate(53%)100%

Short-Term Rental

Yearly income
$42,165
Airbnb data$432/night · 53% occupancy
Rental income
$432/night · 53% occ.
$84,287
Running costs (20%)
Utilities, cleaning, maintenance
-$16,857
Income tax (10%)
Indonesian rental income tax
-$23,600
Property tax
Annual property tax
-$1,664
Net income
4.4% ROI
$42,165

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$951,087
IMT (transfer tax, investment schedule)$57,065
Imposto de Selo (stamp duty)$7,609
Notary & registration$1,359
Legal / due diligence$14,266
Total acquisition costs$80,299
RenovationMove-in ready
Furnishing & STR launch
3bd × $8,696 base + appliances, electronics, outdoor, licence, photography, linens.		$55,761
All-in investment$1,087,147

Gross yield (asking)

8.9%

True gross yield (all-in)

7.8%

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.

$5.4M$4.0M$2.7M$1.3M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $875K
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 18: rental income alone has repaid the full purchase price.
2x return
Year 11: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$1.1M
+22%
Rental Income
+$206K
Total Position
$1.3M
+45%
7.7%/yr
Year 10
Capital Value
$1.3M
+48%
Rental Income
+$445K
Total Position
$1.7M
+99%
7.1%/yr
Year 20
Capital Value
$1.9M
+119%
Rental Income
+$1.0M
Total Position
$3.0M
+238%
6.3%/yr
Year 30
Capital Value
$2.8M
+224%
Rental Income
+$1.8M
Total Position
$4.7M
+435%
5.8%/yr

Location

Lagos

Western Algarve, Approximate area

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Airbnb Comp Analysis

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Average
4.4% annual return
Occupancy
Average
53% average occupancy
Nightly Rate
Strong
$397 per night
Visual Appeal
Strong
9/10 instagrammability
Size & Space
Weak
0 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $397 — positioned in the top tier
Stunning visuals with 9/10 instagrammability — commands premium nightly rates
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Yield of 4.4% 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

33% occ.
3.7%
$2,939/mo
43% occ.
4.9%
$3,859/mo
53% occ.
6.0%
$4,778/mo
current
63% occ.
7.2%
$5,697/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.