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Semi-detached house in M537 Nn, Montinhos da Luz, Luz
Semi-detached house in M537 Nn, Montinhos da Luz, Luz — image 2Semi-detached house in M537 Nn, Montinhos da Luz, Luz — image 3Semi-detached house in M537 Nn, Montinhos da Luz, Luz — image 4Semi-detached house in M537 Nn, Montinhos da Luz, Luz — image 5
Grade B+villamid-range

Semi-detached house in M537 Nn, Montinhos da Luz, Luz

Lagos · Western Algarve ·

€465,000

Asking Price (EUR)

7.3%

True Net Yield (Owner, all-in)

5.0%

True Net Yield (Managed, all-in)

9.5%

True Gross Yield

63%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 3.1 months ago and is currently at 26% maturity. Yields shown apply a conservative calibration (realised-ADR factor 0.78, occupancy cap 68%) that auto-fades to full fidelity by April 2027.

Projected Gross Revenue: €50,772/yr
Average Daily Rate: €222
Payback Period: 20.3 years
5-yr Capital Value: €539,062
10-yr Capital Value: €624,921
Brixfox Score: 66.7 / 100
Comparable Properties: 50
Data Confidence: 90%
Search Radius: 2 km

True Investment Cost

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

€533,885

+14.8% over asking

Asking price€465,000
IMT — Property transfer tax (investment schedule)€25,030
IS — Stamp duty (0.8%)€3,720
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€6,975
Total acquisition costs€36,975
Renovation (est. €55/m² × 92 m²)
Light touch-ups — paint, fixtures, deep clean.		€5,060
(€2,760–€7,360)
Furnishing & STR launch (2bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€26,850
All-in investment (incl. renovation & furnishing)€533,885

Gross yield (asking price)

10.9%

True gross yield (all-in)

9.5%

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: 2
Bathrooms: 1
Building: 92 m²
Land: 158 m²
Style: portuguese-traditional
Condition: good
Year Built: 2015
Energy Certificate: E
countryside

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

traditional terracotta roof tileswhite picket fenceartificial turf garden

Score Breakdown

ROI
17.76
Visual Appeal
9.4
Ownership Security
13
Location
8.4
Land & Space
4.82
Rental Demand
6.28
Payback Speed
3
STR Suitability
4

Description

Praia da Luz Lagos 92 sq mtrs €469,000 Open to reasonable offers! This lovely cottage bungalow situated in a great location between Praia da Luz and Burgau, close to all local amenities, schools and bus routes. Idea as a lock up and leave, holiday home or permanent residence. Comprising of: Two good size bedrooms, a

Location

📍 37.0846°N, 8.7522°W

· Lagos, Algarve, Portugal

Listed by Private owner via Idealista.pt
2-bedroom freehold villa in Lagos — photo 1 of 5
Idealista.pt
2-bedroom freehold villa in Lagos — photo 2 of 5
2-bedroom freehold villa in Lagos — photo 3 of 5
2-bedroom freehold villa in Lagos — photo 4 of 5
2-bedroom freehold villa in Lagos — photo 5 of 5

Semi-detached house in M537 Nn, Montinhos da Luz, Luz

Lagos · Western Algarve · Ref BF-87285 Source verified · Idealista.pt · listed 1 Jul 2026
Asking price · Freehold
$505,435
Ownership
Freehold
Bedrooms
2
Bathrooms
1
Built area
92 m²
Land
158 m²
True net yield
4.9%
≈ $4,205/mo net after costs & tax
5-yr total return (net + appreciation)
12.3% / yr avg
Payback in ~20 yrs from rent
Brixfox Score 67 · 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

Lagos

Western Algarve, Approximate area

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Airbnb Comp Analysis

Finding Airbnb comps...

Property details

Year built: 2015
Energy: E
Condition: good
View: countryside

Description

Praia da Luz Lagos 92 sq mtrs €469,000 Open to reasonable offers! This lovely cottage bungalow situated in a great location between Praia da Luz and Burgau, close to all local amenities, schools and bus routes. Idea as a lock up and leave, holiday home or permanent residence. Comprising of: Two good size bedrooms, 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)
$310/night
50% ($143)Brixfox estimate($310/night)200% ($571)
Occupancy
63%
10%Brixfox estimate(63%)100%

Short-Term Rental

Indicative
Yearly income
$34,206
Likely range $20,524 – $47,888
Airbnb data$310/night · 63% occupancy
Rental income
$310/night · 63% occ.
$65,780
Running costs (20%)
Utilities, cleaning, maintenance
-$13,156
Income tax (10%)
Indonesian rental income tax
-$18,419
Property tax
Annual property tax
-$0
Net income
6.8% ROI
$34,206

Investment Returns

After-tax net yield · all-in cost basis

Approx. location

Net Yield · Fully-Managed · After Tax

4.9%

on all-in cost of $582,951

Scenario
Pre-tax
After-tax
Owner-managed
8.7%
7.7%
Fully-managed
5.9%
4.9%
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

11.3%

Annual Revenue

$65,780

Income Tax / yr

$5,755

Payback

20 yrs

True All-In Cost
Asking price$505,435
IMT — transfer tax (non-resident 7.5%)$37,908
Stamp duty (0.8%)$4,043
Notary + registry$2,174
Legal$6,217
Furnishing + STR launch$27,174
All-in cost$582,951

Growth & Exit Strategy

How your investment grows over time

Freehold — 4%/yr appreciation in Lagos.

$3.5M$2.6M$1.7M$864K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $465K
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 13: rental income alone has repaid the full purchase price.
2x return
Year 9: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$566K
+22%
Rental Income
+$167K
Total Position
$733K
+58%
9.5%/yr
Year 10
Capital Value
$688K
+48%
Rental Income
+$361K
Total Position
$1.0M
+126%
8.5%/yr
Year 20
Capital Value
$1.0M
+119%
Rental Income
+$846K
Total Position
$1.9M
+301%
7.2%/yr
Year 30
Capital Value
$1.5M
+224%
Rental Income
+$1.5M
Total Position
$3.0M
+546%
6.4%/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

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

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Good
6.8% annual return
Occupancy
Good
63% average occupancy
Nightly Rate
Strong
$285 per night
Visual Appeal
Good
6/10 instagrammability
Size & Space
Average
158 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $285 — positioned in the top tier
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Compact plot at 158 m² — limited expansion potential

This villa is a strong investment. High rental demand and good returns make it suitable for both active and passive investors.

Risks & What-If

What if occupancy changes?

Owner Managed scenario

43% occ.
6.7%
$2,823/mo
53% occ.
8.3%
$3,484/mo
63% occ.
9.8%
$4,144/mo
current
73% occ.
11.4%
$4,804/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.