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Terraced house in Centro, Lagos Cidade, Lagos
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Grade Bvillamid-range

Terraced house in Centro, Lagos Cidade, Lagos

Lagos · Western Algarve ·

€295,000

Asking Price (EUR)

6.4%

True Net Yield (Owner, all-in)

4.1%

True Net Yield (Managed, all-in)

9.1%

True Gross Yield

51%

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: €30,515/yr
Average Daily Rate: €164
Payback Period: 26.6 years
5-yr Capital Value: €341,986
10-yr Capital Value: €396,455
Brixfox Score: 61.6 / 100
Comparable Properties: 85
Data Confidence: 98%
Search Radius: 2 km

True Investment Cost

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

€336,182

+14.0% over asking

Asking price€295,000
IMT — Property transfer tax (investment schedule)€11,647
IS — Stamp duty (0.8%)€2,360
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€4,425
Total acquisition costs€19,682
Renovation€0 — move-in ready
Furnishing & STR launch (1bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€21,500
All-in investment (incl. renovation & furnishing)€336,182

Gross yield (asking price)

10.3%

True gross yield (all-in)

9.1%

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: 1
Bathrooms: 2
Building: 47 m²
Style: contemporary
Condition: excellent
Year Built: 2007
Energy Certificate: Exempt

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

patterned kitchen backsplashbreakfast bar with stoolswicker pendant lightblue accent wall

Score Breakdown

ROI
14.16
Visual Appeal
10
Ownership Security
13
Location
10.44
Land & Space
2.94
Rental Demand
5.09
Payback Speed
2
STR Suitability
4

Description

Charming Renovated 1-Bedroom Home in Historic Lagos Located within the historic city walls of Lagos, this beautifully renovated 1-bedroom house offers the perfect combination of modern comfort and old-world charm. Situated in the heart of the vibrant historic center, the property is just a short walk from a variety of

Location

📍 37.1033°N, 8.6740°W

· Lagos, Algarve, Portugal

Visit Engel & Völkers Lagos →Listed via Idealista.pt
1-bedroom freehold villa in Lagos — photo 1 of 5
Engel & Völkers Lagos
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Terraced house in Centro, Lagos Cidade, Lagos

Lagos · Western Algarve · Ref BF-1765 Source verified · Engel & Völkers Lagos · listed 2 Jun 2026
Asking price · Freehold
$320,652
View original listing
Ownership
Freehold
Bedrooms
1
Bathrooms
2
Built area
47 m²
True net yield
3.8%
≈ $2,338/mo net after costs & tax
5-yr total return (net + appreciation)
12.0% / yr avg
Payback in ~27 yrs from rent
Brixfox Score 62 · 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

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Property details

Year built: 2007
Energy: Exempt
Condition: excellent

Description

Charming Renovated 1-Bedroom Home in Historic Lagos Located within the historic city walls of Lagos, this beautifully renovated 1-bedroom house offers the perfect combination of modern comfort and old-world charm. Situated in the heart of the vibrant historic center, the property is just a short walk from a variety of

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)
$231/night
50% ($106)Brixfox estimate($231/night)200% ($425)
Occupancy
51%
10%Brixfox estimate(51%)100%

Short-Term Rental

Indicative
Yearly income
$20,658
Likely range $12,395 – $28,922
Airbnb data$231/night · 51% occupancy
Rental income
$231/night · 51% occ.
$39,727
Running costs (20%)
Utilities, cleaning, maintenance
-$7,945
Income tax (10%)
Indonesian rental income tax
-$11,124
Property tax
Annual property tax
-$0
Net income
6.4% ROI
$20,658

Investment Returns

After-tax net yield · all-in cost basis

Exact location

Net Yield · Fully-Managed · After Tax

3.8%

on all-in cost of $380,625

Scenario
Pre-tax
After-tax
Owner-managed
7.4%
6.5%
Fully-managed
4.7%
3.8%
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

10.4%

Annual Revenue

$39,727

Income Tax / yr

$3,476

Payback

27 yrs

True All-In Cost
Asking price$320,652
IMT — transfer tax (non-resident 7.5%)$24,049
Stamp duty (0.8%)$2,565
Notary + registry$2,174
Legal$4,011
Furnishing + STR launch$27,174
All-in cost$380,625

Growth & Exit Strategy

How your investment grows over time

Freehold — 4%/yr appreciation in Lagos.

$2.1M$1.6M$1.1M$535K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $295K
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
$359K
+22%
Rental Income
+$101K
Total Position
$460K
+56%
9.3%/yr
Year 10
Capital Value
$437K
+48%
Rental Income
+$218K
Total Position
$655K
+122%
8.3%/yr
Year 20
Capital Value
$646K
+119%
Rental Income
+$511K
Total Position
$1.2M
+292%
7.1%/yr
Year 30
Capital Value
$957K
+224%
Rental Income
+$904K
Total Position
$1.9M
+531%
6.3%/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
6.4% annual return
Occupancy
Average
51% average occupancy
Nightly Rate
Strong
$213 per night
Visual Appeal
Good
7/10 instagrammability
Size & Space
Weak
0 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $213 — 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 51% — 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

31% occ.
5.7%
$1,519/mo
41% occ.
7.5%
$2,011/mo
51% occ.
9.4%
$2,503/mo
current
61% occ.
11.2%
$2,995/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.