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Detached house in Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro
Grade B+villa

Detached house in Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€1.1M

Asking Price (EUR)

5.0%

True Net Yield (Owner, all-in)

3.5%

True Net Yield (Managed, all-in)

6.4%

True Gross Yield

57%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 2.8 months ago and is currently at 24% maturity. Yields shown apply a conservative calibration (realised-ADR factor 0.77, occupancy cap 67%) that auto-fades to full fidelity by April 2027.

Projected Gross Revenue: €82,269/yr
Average Daily Rate: €397
Payback Period: 27.4 years
5-yr Capital Value: €1.3M
10-yr Capital Value: €1.5M
Brixfox Score: 65 / 100
Comparable Properties: 7
Data Confidence: 70%
Search Radius: 2 km

True Investment Cost

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

€1.3M

+16.8% over asking

Asking price€1.1M
IMT — Property transfer tax (investment schedule)€66,000
IS — Stamp duty (0.8%)€8,800
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€16,500
Total acquisition costs€92,550
Renovation (est. €200/m² × 275 m², from finish level)
Condition & finish level not reported — shown as a moderate contingency. Verify on site visit.		€55,000
(€27,500–€82,500)
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)€1.3M

Gross yield (asking price)

7.5%

True gross yield (all-in)

6.4%

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
Building: 275 m²

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Score Breakdown

ROI
13.77
Visual Appeal
10
Ownership Security
13
Location
10.56
Land & Space
6
Rental Demand
5.68
Payback Speed
2
STR Suitability
4

Description

Magnificent villa with heated pool - Privileged location Set within the established and highly sought-after residential area of Mato Serrão in Carvoeiro, this spacious detached villa enjoys a privileged position on a generous plot just minutes from the coastline, beaches, and village centre. Originally designed as a

Location

📍 37.0940°N, 8.4720°W

· Lagoa/Carvoeiro, Algarve, Portugal

Listed via Idealista.pt
4-bedroom freehold villa in Lagoa/Carvoeiro — photo 1 of 1
Idealista.pt

Detached house in Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve · Ref BF-84362 Source verified · Idealista.pt · listed 24 Jun 2026
Asking price · Freehold
$1,195,652
Ownership
Freehold
Bedrooms
4
Built area
275 m²
True net yield
3.7%
≈ $6,951/mo net after costs & tax
5-yr total return (net + appreciation)
10.2% / yr avg
Payback in ~27 yrs from rent
Brixfox Score 65 · B+

What nearby Airbnbs actually earn

Brixfox tracks the live availability calendars of Airbnb listings around this property. The rates and occupancy below are observed from real bookings — this is the data behind every yield figure on this page.

Location

Lagoa/Carvoeiro

Central Algarve, Approximate area

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Airbnb Comp Analysis

Finding Airbnb comps...

Property details

Description

Magnificent villa with heated pool - Privileged location Set within the established and highly sought-after residential area of Mato Serrão in Carvoeiro, this spacious detached villa enjoys a privileged position on a generous plot just minutes from the coastline, beaches, and village centre. Originally designed as a

Income Breakdown

Figures are modelled estimates derived from comparable short-term-rental data — not guaranteed returns or financial advice. Do your own due diligence before investing.

Adjust Forecast

Customize your projections
Nightly Rate (ADR)
$560/night
50% ($257)Brixfox estimate($560/night)200% ($1030)
Occupancy
57%
10%Brixfox estimate(57%)100%

Short-Term Rental

Indicative
Yearly income
$55,838
Likely range $33,502 – $78,173
Airbnb data$560/night · 57% occupancy
Rental income
$560/night · 57% occ.
$107,380
Running costs (20%)
Utilities, cleaning, maintenance
-$21,476
Income tax (10%)
Indonesian rental income tax
-$30,067
Property tax
Annual property tax
-$0
Net income
4.7% ROI
$55,838

Investment Returns

After-tax net yield · all-in cost basis

Area estimate

Net Yield · Area Estimate

3.6%

Based on area comps — this property's exact location is unconfirmed

Scenario
Pre-tax
After-tax
Owner-managed
6.2%
5.5%
Fully-managed
4.4%
3.6%
After-tax nets ~28% non-resident IRS on AL income (simplified regime). Yields are on the all-in acquisition cost, not the asking price.

Gross Yield

8.0%

Annual Revenue

$107,380

Income Tax / yr

$9,396

Payback

27 yrs

True All-In Cost
Asking price$1,195,652
IMT — transfer tax (non-resident 7.5%)$89,674
Stamp duty (0.8%)$9,565
Notary + registry$2,174
Legal$13,370
Furnishing + STR launch$27,174
All-in cost$1,337,609

Growth & Exit Strategy

How your investment grows over time

Freehold — 4%/yr appreciation in Lagoa/Carvoeiro.

$6.9M$5.2M$3.5M$1.7M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $1.1M
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
$1.3M
+22%
Rental Income
+$273K
Total Position
$1.6M
+46%
7.9%/yr
Year 10
Capital Value
$1.6M
+48%
Rental Income
+$589K
Total Position
$2.2M
+102%
7.3%/yr
Year 20
Capital Value
$2.4M
+119%
Rental Income
+$1.4M
Total Position
$3.8M
+245%
6.4%/yr
Year 30
Capital Value
$3.6M
+224%
Rental Income
+$2.4M
Total Position
$6.0M
+447%
5.8%/yr
Turnkey Management

Your property, professionally managed

Buying from abroad? You won't lift a finger. A vetted local management partner is already connected to this listing — ready to run it as a short-stay rental from day one, so the Managed projections above are something you can actually rely on.

Vetted by Brixfox 8+ yrs operating 110+ properties managed ~2h guest response

Atlantic Stays Management

Vetted

Alojamento Local management, Lisbon to the Algarve

22%
Management fee
of rental revenue — already in your Managed figures

End-to-end AL management for international owners. We handle the licence, the platforms and the guests so your second home pays for itself.

What the fee covers

  • Listing setup & optimisation (Airbnb, Booking.com, VRBO)
  • Dynamic pricing & revenue management
  • 24/7 multilingual guest communication
  • Guided check-in / check-out & key handling
  • Professional cleaning, laundry & restocking
  • Maintenance & repairs coordination
  • Monthly owner statements & payouts
  • Guest screening & damage protection
  • Alojamento Local (AL) licence handling & renewals
  • SEF/AIMA guest registration & tourist-tax filing
Visit Atlantic Stays Management

Ask Brixfox AI

Conversational analysis — questions about this listing, answered from real data.

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Average
4.7% annual return
Occupancy
Average
57% average occupancy
Nightly Rate
Strong
$515 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 $515 — 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

37% occ.
4.4%
$4,382/mo
47% occ.
5.6%
$5,574/mo
57% occ.
6.8%
$6,765/mo
current
67% occ.
8.0%
$7,956/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. Market factors in Portugal may impact actual yields.