Launch offer — 3 months free free, no card

Detached house in Montinhos da Luz, Luz
Detached house in Montinhos da Luz, Luz — image 2Detached house in Montinhos da Luz, Luz — image 3Detached house in Montinhos da Luz, Luz — image 4Detached house in Montinhos da Luz, Luz — image 5
Grade B+villamid-range

Detached house in Montinhos da Luz, Luz

Lagos · Western Algarve ·

€990,000

Asking Price (EUR)

5.2%

True Net Yield (Owner, all-in)

3.6%

True Net Yield (Managed, all-in)

6.8%

True Gross Yield

57%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 2.9 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: €75,792/yr
Average Daily Rate: €363
+3.0% vs area baselinePortuguese-traditional style (+5%), No pool (-12%), Has view (+10%)
Payback Period: 27.2 years
5-yr Capital Value: €1.1M
10-yr Capital Value: €1.3M
Brixfox Score: 65.2 / 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.

€1.1M

+13.4% over asking

Asking price€990,000
IMT — Property transfer tax (investment schedule)€59,400
IS — Stamp duty (0.8%)€7,920
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€14,850
Total acquisition costs€83,420
Renovation (est. €55/m² × 309 m²)
Light touch-ups — paint, fixtures, deep clean.		€16,995
(€9,270–€24,720)
Furnishing & STR launch (3bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€32,200
All-in investment (incl. renovation & furnishing)€1.1M

Gross yield (asking price)

7.7%

True gross yield (all-in)

6.8%

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
Building: 309 m²
Style: portuguese-traditional
Condition: good
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

cobblestone drivewaystone retaining wallscurved architectural elements

Score Breakdown

ROI
13.88
Visual Appeal
12.2
Ownership Security
13
Location
8.4
Land & Space
6
Rental Demand
5.73
Payback Speed
2
STR Suitability
4

Description

Serene Countryside Villa with South-Facing Garden, Minutes from Praia da Luz Set amidst the tranquil countryside just minutes from Praia da Luz, this fully detached three-bedroom villa offers privacy, space, and sweeping rural views in a peaceful setting. Designed on a comfortable single-level layout, the home is fill

Location

📍 37.0874°N, 8.7483°W

· Lagos, Algarve, Portugal

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

Detached house in Montinhos da Luz, Luz

Lagos · Western Algarve · Ref BF-1320 Source verified · Idealista.pt · listed 3 Jun 2026
Asking price · Freehold
$1,076,087
Ownership
Freehold
Bedrooms
3
Built area
309 m²
True net yield
3.7%
≈ $6,360/mo net after costs & tax
5-yr total return (net + appreciation)
10.3% / 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

Lagos

Western Algarve, Approximate area

Loading Map...

Airbnb Comp Analysis

Finding Airbnb comps...

Property details

Condition: good

Description

Serene Countryside Villa with South-Facing Garden, Minutes from Praia da Luz Set amidst the tranquil countryside just minutes from Praia da Luz, this fully detached three-bedroom villa offers privacy, space, and sweeping rural views in a peaceful setting. Designed on a comfortable single-level layout, the home is fill

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)
$510/night
50% ($234)Brixfox estimate($510/night)200% ($938)
Occupancy
57%
10%Brixfox estimate(57%)100%

Short-Term Rental

Indicative
Yearly income
$51,297
Likely range $30,778 – $71,815
Airbnb data$510/night · 57% occupancy
Rental income
$510/night · 57% occ.
$98,648
Running costs (20%)
Utilities, cleaning, maintenance
-$19,730
Income tax (10%)
Indonesian rental income tax
-$27,621
Property tax
Annual property tax
-$0
Net income
4.8% ROI
$51,297

Investment Returns

After-tax net yield · all-in cost basis

Area estimate

Net Yield · Area Estimate

3.7%

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

Scenario
Pre-tax
After-tax
Owner-managed
6.3%
5.6%
Fully-managed
4.4%
3.7%
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

8.2%

Annual Revenue

$98,648

Income Tax / yr

$8,632

Payback

27 yrs

True All-In Cost
Asking price$1,076,087
IMT — transfer tax (non-resident 7.5%)$80,707
Stamp duty (0.8%)$8,609
Notary + registry$2,174
Legal$13,236
Furnishing + STR launch$27,174
All-in cost$1,207,986

Growth & Exit Strategy

How your investment grows over time

Freehold — 4%/yr appreciation in Lagos.

$6.3M$4.7M$3.1M$1.6M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $990K
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 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
$1.2M
+22%
Rental Income
+$251K
Total Position
$1.5M
+47%
8.0%/yr
Year 10
Capital Value
$1.5M
+48%
Rental Income
+$541K
Total Position
$2.0M
+103%
7.3%/yr
Year 20
Capital Value
$2.2M
+119%
Rental Income
+$1.3M
Total Position
$3.4M
+247%
6.4%/yr
Year 30
Capital Value
$3.2M
+224%
Rental Income
+$2.2M
Total Position
$5.5M
+451%
5.9%/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.

Try one of these

Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Average
4.8% annual return
Occupancy
Average
57% average occupancy
Nightly Rate
Strong
$469 per night
Visual Appeal
Good
6/10 instagrammability
Size & Space
Weak
0 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $469 — 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 4.8% 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.
4.5%
$4,044/mo
47% occ.
5.7%
$5,129/mo
57% occ.
6.9%
$6,215/mo
current
67% occ.
8.1%
$7,300/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.