T3 flat in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro
T3 flat in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 2T3 flat in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 3T3 flat in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 4T3 flat in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro — image 5
Grade Bapartmentmid-range

T3 flat in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€630,000

Asking Price (EUR)

3.5%

True Net Yield (Owner, all-in)

2.4%

True Net Yield (Managed, all-in)

5.4%

True Gross Yield

39%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 2.1 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: €38,545/yr
Average Daily Rate: €274
Payback Period: 20.4 years
5-yr Capital Value: €827,811
10-yr Capital Value: €1.0M
Brixfox Score: 62.7 / 100
Comparable Properties: 18
Data Confidence: 89%
Search Radius: 2 km

True Investment Cost

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

€714,170

+13.4% over asking

Asking price€630,000
IMT — Property transfer tax (investment schedule)€38,230
IS — Stamp duty (0.8%)€5,040
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€9,450
Total acquisition costs€53,970
Renovation€0 — move-in ready
Furnishing & STR launch (3bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€30,200
All-in investment (incl. renovation & furnishing)€714,170

Gross yield (asking price)

6.1%

True gross yield (all-in)

5.4%

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: 3
Bathrooms: 3
Building: 132 m²
Land: 132 m²
Style: contemporary
Condition: excellent
Year Built: 1992
Energy Certificate: C
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

large circular window with sea viewbalcony overlooking the beachmodern recessed lighting

Score Breakdown

ROI
15.31
Visual Appeal
10
Ownership Security
13
Location
10.56
Land & Space
6
Rental Demand
3.86
Payback Speed
1
STR Suitability
3

Description

For sale EXCLUSIVE, penthouse apartment with stunning sea views in Carvoeiro. Excellent opportunity to acquire this spacious, fully renovated 3 bedroom apartment in an enviable position with stunning panoramic ocean and bay views. Located in a privileged position overlooking Centeanes beach, this penthouse apartment

Location

📍 37.0940°N, 8.4720°W

· Lagoa/Carvoeiro, Algarve, Portugal

View on Sampson Property →Also on Idealista.pt
Idealista.pt
Lagoa/Carvoeiro / Central Algarve

T3 flat in Vale Milho - Vale Centeanes - Algar seco, Lagoa e Carvoeiro

Inventory
3 Beds
Bathrooms
3 Baths
Built Area
132 m²
Land Plot
132 m²
Tenure
Freehold
Yield Curve Status

Grade B investment — short-term rental yields 4.1% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score63
GradeB
Brixfox Intelligence
63BStrong
Score Breakdown
ROI & Yield69%
Capital Growth66%
Risk Profile65%
Market Demand63%

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
+9.6%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$174K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
4.1%
$2,316/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
24.6 yr
Rental only

Property details

Year built: 1992
Energy: C
Condition: excellent

Description

For sale EXCLUSIVE, penthouse apartment with stunning sea views in Carvoeiro. Excellent opportunity to acquire this spacious, fully renovated 3 bedroom apartment in an enviable position with stunning panoramic ocean and bay views. Located in a privileged position overlooking Centeanes beach, this penthouse apartment

Income Breakdown

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Nightly Rate (ADR)
$396/night
50% ($182)Brixfox estimate($396/night)200% ($728)
Occupancy
39%
10%Brixfox estimate(39%)100%

Short-Term Rental

Yearly income
$27,787
Airbnb data$396/night · 39% occupancy
Rental income
$396/night · 39% occ.
$55,741
Running costs (20%)
Utilities, cleaning, maintenance
-$11,148
Income tax (10%)
Indonesian rental income tax
-$15,608
Property tax
Annual property tax
-$1,198
Net income
4.1% ROI
$27,787

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$684,783
IMT (transfer tax, investment schedule)$41,554
Imposto de Selo (stamp duty)$5,478
Notary & registration$1,359
Legal / due diligence$10,272
Total acquisition costs$58,663
RenovationMove-in ready
Furnishing & STR launch
3bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$32,826
All-in investment$776,272

Gross yield (asking)

8.1%

True gross yield (all-in)

7.2%

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.

$3.7M$2.8M$1.9M$937K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $630K
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 19: 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
$766K
+22%
Rental Income
+$136K
Total Position
$902K
+43%
7.4%/yr
Year 10
Capital Value
$933K
+48%
Rental Income
+$293K
Total Position
$1.2M
+95%
6.9%/yr
Year 20
Capital Value
$1.4M
+119%
Rental Income
+$687K
Total Position
$2.1M
+228%
6.1%/yr
Year 30
Capital Value
$2.0M
+224%
Rental Income
+$1.2M
Total Position
$3.3M
+417%
5.6%/yr

Location

Lagoa/Carvoeiro

Central 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
4.1% annual return
Occupancy
Weak
39% average occupancy
Nightly Rate
Strong
$364 per night
Visual Appeal
Strong
9/10 instagrammability
Size & Space
Weak
132 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $364 — 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 4.1% 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

30% occ.
4.3%
$2,427/mo
40% occ.
5.7%
$3,269/mo
39% occ.
5.5%
$3,152/mo
current
49% occ.
7.0%
$3,994/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.