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 Avillamid-range

Detached house in Montinhos da Luz, Luz

Lagos · Western Algarve ·

€899,000

Asking Price (EUR)

7.3%

True Net Yield (Owner, all-in)

5.2%

True Net Yield (Managed, all-in)

9.1%

True Gross Yield

56%

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: €92,879/yr
Average Daily Rate: €451
+18.0% vs area baselineImage quality 8/10 (+3%), Portuguese-traditional style (+5%), Has pool (0%), Has view (+10%)
Payback Period: 18.8 years
5-yr Capital Value: €1.0M
10-yr Capital Value: €1.2M
Brixfox Score: 79.6 / 100
Comparable Properties: 11
Data Confidence: 81%
Search Radius: 2 km

True Investment Cost

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

€1.0M

+13.4% over asking

Asking price€899,000
IMT — Property transfer tax (investment schedule)€53,940
IS — Stamp duty (0.8%)€7,192
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€13,485
Total acquisition costs€75,867
Renovation (est. €55/m² × 181 m²)
Light touch-ups — paint, fixtures, deep clean.		€9,955
(€5,430–€14,480)
Furnishing & STR launch (3bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€34,700
All-in investment (incl. renovation & furnishing)€1.0M

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: 3
Bathrooms: 2
Building: 181 m²
Land: 630 m²
Style: portuguese-traditional
Condition: good
Energy Certificate: B-
Private Pool
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

traditional tiled roofbalconies with white railingsprivate swimming poollandscaped garden

Score Breakdown

ROI
18.99
Visual Appeal
13.6
Ownership Security
13
Location
8.4
Land & Space
12
Rental Demand
5.65
Payback Speed
4
STR Suitability
4

Description

Upon entering, the house reveals itself with a natural and welcoming fluidity. On the lower floor, you will find the heart of the home: an elegant open space area, where the kitchen and living room merge in a modern and inviting environment, completely renovated. Here, the presence of a stove adds a touch of charm and

Location

📍 37.0873°N, 8.7543°W

· Lagos, Algarve, Portugal

View this property on MIKASA Investimentos Imobiliárias →Listed via Idealista.pt
3-bedroom freehold villa in Lagos — photo 1 of 5
MIKASA Investimentos Imobiliárias
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-1769 Source verified · MIKASA Investimentos Imobiliárias · listed 2 Jun 2026
Asking price · Freehold
$977,174
View original listing
Ownership
Freehold
Bedrooms
3
Bathrooms
2
Built area
181 m²
Land
630 m²
True net yield
5.3%
≈ $8,111/mo net after costs & tax
5-yr total return (net + appreciation)
12.0% / yr avg
Payback in ~19 yrs from rent
Brixfox Score 80 · A

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

Energy: B-
Condition: good

Description

Upon entering, the house reveals itself with a natural and welcoming fluidity. On the lower floor, you will find the heart of the home: an elegant open space area, where the kitchen and living room merge in a modern and inviting environment, completely renovated. Here, the presence of a stove adds a touch of charm and

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)
$634/night
50% ($292)Brixfox estimate($634/night)200% ($1166)
Occupancy
56%
10%Brixfox estimate(56%)100%

Short-Term Rental

Indicative
Yearly income
$62,905
Likely range $37,743 – $88,067
Airbnb data$634/night · 56% occupancy
Rental income
$634/night · 56% occ.
$120,972
Running costs (20%)
Utilities, cleaning, maintenance
-$24,194
Income tax (10%)
Indonesian rental income tax
-$33,872
Property tax
Annual property tax
-$0
Net income
6.4% ROI
$62,905

Investment Returns

After-tax net yield · all-in cost basis

Exact location

Net Yield · Fully-Managed · After Tax

5.3%

on all-in cost of $1,099,647

Scenario
Pre-tax
After-tax
Owner-managed
8.8%
7.9%
Fully-managed
6.3%
5.3%
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

11.0%

Annual Revenue

$120,972

Income Tax / yr

$10,585

Payback

19 yrs

True All-In Cost
Asking price$977,174
IMT — transfer tax (non-resident 7.5%)$73,288
Stamp duty (0.8%)$7,817
Notary + registry$2,174
Legal$12,020
Furnishing + STR launch$27,174
All-in cost$1,099,647

Growth & Exit Strategy

How your investment grows over time

Freehold — 4%/yr appreciation in Lagos.

$6.5M$4.9M$3.3M$1.6M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $899K
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
$1.1M
+22%
Rental Income
+$307K
Total Position
$1.4M
+56%
9.3%/yr
Year 10
Capital Value
$1.3M
+48%
Rental Income
+$663K
Total Position
$2.0M
+122%
8.3%/yr
Year 20
Capital Value
$2.0M
+119%
Rental Income
+$1.6M
Total Position
$3.5M
+292%
7.1%/yr
Year 30
Capital Value
$2.9M
+224%
Rental Income
+$2.8M
Total Position
$5.7M
+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

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
Good
6.4% annual return
Occupancy
Average
56% average occupancy
Nightly Rate
Strong
$583 per night
Visual Appeal
Good
7/10 instagrammability
Size & Space
Strong
630 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $583 — positioned in the top tier
Generous 630 m² land — room for expansion or amenities
Freehold ownership — maximum long-term security

Watch Out

Secondary location — rental demand may be lower than premium areas
Occupancy at 56% — factor in seasonal gaps

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

36% occ.
6.0%
$4,922/mo
46% occ.
7.7%
$6,271/mo
56% occ.
9.4%
$7,621/mo
current
66% occ.
11.0%
$8,970/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.