Detached house in Chinicato - Sargaçal, Lagos
Detached house in Chinicato - Sargaçal, Lagos — image 2Detached house in Chinicato - Sargaçal, Lagos — image 3Detached house in Chinicato - Sargaçal, Lagos — image 4Detached house in Chinicato - Sargaçal, Lagos — image 5
Grade B+villamid-range

Detached house in Chinicato - Sargaçal, Lagos

Lagos · Western Algarve ·

€420,000

Asking Price (EUR)

12.1%

True Net Yield (Owner, all-in)

8.4%

True Net Yield (Managed, all-in)

18.6%

True Gross Yield

32%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 1.8 months ago and is currently at 15% 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: €92,356/yr
Average Daily Rate: €802
Payback Period: 5.6 years
5-yr Capital Value: €551,874
10-yr Capital Value: €671,439
Brixfox Score: 73.1 / 100
Comparable Properties: 5
Data Confidence: 63%
Search Radius: 3 km

True Investment Cost

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

€495,775

+18.0% over asking

Asking price€420,000
IMT — Property transfer tax (investment schedule)€21,430
IS — Stamp duty (0.8%)€3,360
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€6,300
Total acquisition costs€32,340
Renovation (est. €55/m² × 107 m²)
Light touch-ups — paint, fixtures, deep clean.		€5,885
(€3,210–€8,560)
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)€495,775

Gross yield (asking price)

22.0%

True gross yield (all-in)

18.6%

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
Bathrooms: 2
Building: 107 m²
Land: 122 m²
Style: portuguese-traditional
Condition: good
Year Built: 1995
Energy Certificate: D
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AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

stone accent wallsbrick fireplacevaulted ceiling in living roomrustic wooden furniture

Score Breakdown

ROI
25
Visual Appeal
10
Ownership Security
13
Location
10.44
Land & Space
3.47
Rental Demand
3.16
Payback Speed
5
STR Suitability
3

Description

Semi-detached house, very well maintained, located in a quiet residential area in Chinicato, just a few minutes from Lagos and Meia Praia. With an excellent internal layout, it is spread over two floors and offers spacious and functional areas, ideal for permanent residence, a holiday home or investment. On the ground

Location

📍 37.1284°N, 8.6720°W

· Lagos, Algarve, Portugal

View on Sunpoint Properties →Also on Idealista.pt
Idealista.pt
Lagos / Western Algarve

Detached house in Chinicato - Sargaçal, Lagos

Inventory
4 Beds
Bathrooms
2 Baths
Built Area
107 m²
Land Plot
122 m²
Tenure
Freehold
Yield Curve Status

Grade B+ investment — short-term rental yields 15.2% net return annually.

Go to Source via Idealista.pt

The Investment

Brixfox Score73
GradeB+
Brixfox Intelligence
73B+Strong
Score Breakdown
ROI & Yield80%
Capital Growth77%
Risk Profile74%
Market Demand73%

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
+20.7%
Per Year (5yr avg)
Annualized projected property value change based on historical area appreciation rates (5-year average).
Capital Growth
+5.5%
+$116K in 5yr (+28%)
Estimated monthly net income after deducting management fees, operating costs, and taxes.
ROI Nett Rental Income
15.2%
$5,765/mo
Estimated time for the total investment value (equity + accumulated rent) to double.
100% Profit
5 yr
Combined
Number of years to fully recoup the initial purchase price using only net rental income.
Payback
6.6 yr
Rental only

Property details

Year built: 1995
Energy: D
Condition: good

Description

Semi-detached house, very well maintained, located in a quiet residential area in Chinicato, just a few minutes from Lagos and Meia Praia. With an excellent internal layout, it is spread over two floors and offers spacious and functional areas, ideal for permanent residence, a holiday home or investment. On the ground

Income Breakdown

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Nightly Rate (ADR)
$1,168/night
50% ($537)Brixfox estimate($1,168/night)200% ($2149)
Occupancy
32%
10%Brixfox estimate(32%)100%

Short-Term Rental

Yearly income
$69,177
Airbnb data$1,168/night · 32% occupancy
Rental income
$1,168/night · 32% occ.
$134,570
Running costs (20%)
Utilities, cleaning, maintenance
-$26,914
Income tax (10%)
Indonesian rental income tax
-$37,679
Property tax
Annual property tax
-$799
Net income
15.2% ROI
$69,177

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$456,522
IMT (transfer tax, investment schedule)$23,293
Imposto de Selo (stamp duty)$3,652
Notary & registration$1,359
Legal / due diligence$6,848
Total acquisition costs$35,152
Renovation (~$60/m²)
Light touch-ups — paint, fixtures, deep clean.		$6,397
($3,489–$9,304)
Furnishing & STR launch
4bd × $4,891 base + appliances, electronics, outdoor, licence, photography, linens.		$38,641
All-in investment$536,712

Gross yield (asking)

29.5%

True gross yield (all-in)

25.1%

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.

$5.0M$3.8M$2.5M$1.3M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $420K
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 7: rental income alone has repaid the full purchase price.
2x return
Year 5: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$511K
+22%
Rental Income
+$338K
Total Position
$849K
+102%
15.1%/yr
Year 10
Capital Value
$622K
+48%
Rental Income
+$730K
Total Position
$1.4M
+222%
12.4%/yr
Year 20
Capital Value
$920K
+119%
Rental Income
+$1.7M
Total Position
$2.6M
+526%
9.6%/yr
Year 30
Capital Value
$1.4M
+224%
Rental Income
+$3.0M
Total Position
$4.4M
+945%
8.1%/yr

Location

Lagos

Western Algarve, Approximate area

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Strong
15.2% annual return
Occupancy
Weak
32% average occupancy
Nightly Rate
Strong
$1075 per night
Visual Appeal
Average
5/10 instagrammability
Size & Space
Weak
122 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

High rental yield at 15.2% — outperforms most villas in this market
Premium nightly rate of $1075 — 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 32% — 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.
19.4%
$7,395/mo
40% occ.
26.0%
$9,883/mo
32% occ.
20.5%
$7,783/mo
current
42% occ.
27.0%
$10,271/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.