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Semi-detached house in Cidade de Lagoa, Lagoa e Carvoeiro
Semi-detached house in Cidade de Lagoa, Lagoa e Carvoeiro — image 2Semi-detached house in Cidade de Lagoa, Lagoa e Carvoeiro — image 3Semi-detached house in Cidade de Lagoa, Lagoa e Carvoeiro — image 4Semi-detached house in Cidade de Lagoa, Lagoa e Carvoeiro — image 5
Grade B+villamid-range

Semi-detached house in Cidade de Lagoa, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€980,000

Asking Price (EUR)

5.8%

True Net Yield (Owner, all-in)

4.1%

True Net Yield (Managed, all-in)

7.4%

True Gross Yield

50%

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: €82,091/yr
Average Daily Rate: €453
+8.0% vs area baselineImage quality 8/10 (+3%), Portuguese-traditional style (+5%), Has pool (0%)
Payback Period: 24.2 years
5-yr Capital Value: €1.1M
10-yr Capital Value: €1.3M
Brixfox Score: 70.5 / 100
Comparable Properties: 8
Data Confidence: 65%
Search Radius: 4 km

True Investment Cost

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

€1.1M

+12.5% over asking

Asking price€980,000
IMT — Property transfer tax (investment schedule)€58,800
IS — Stamp duty (0.8%)€7,840
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€14,700
Total acquisition costs€82,590
Renovation€0 — move-in ready
Furnishing & STR launch (4bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€40,050
All-in investment (incl. renovation & furnishing)€1.1M

Gross yield (asking price)

8.4%

True gross yield (all-in)

7.4%

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: 4
Bathrooms: 4
Building: 311 m²
Style: portuguese-traditional
Condition: excellent
Year Built: 1997
Energy Certificate: E
Private Pool

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

arched patioprivate swimming pooloutdoor dining area

Score Breakdown

ROI
15.42
Visual Appeal
13.6
Ownership Security
13
Location
10.56
Land & Space
6
Rental Demand
4.97
Payback Speed
3
STR Suitability
4

Description

Discover this exclusive fully renovated villa, located in the heart of Lagoa, in a prestigious residential area that combines tranquility, centrality and quality of life. Spread over three floors, this property has been carefully designed to offer comfort, functionality and a contemporary style of excellence. On the g

Location

📍 37.1321°N, 8.4505°W

· Lagoa/Carvoeiro, Algarve, Portugal

View this property on StepIn Real Estate →Listed via Idealista.pt
4-bedroom freehold villa in Lagoa/Carvoeiro — photo 1 of 5
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4-bedroom freehold villa in Lagoa/Carvoeiro — photo 2 of 5
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4-bedroom freehold villa in Lagoa/Carvoeiro — photo 5 of 5

Semi-detached house in Cidade de Lagoa, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve · Ref BF-18296 Source verified · StepIn Real Estate · listed 2 Jun 2026
Asking price · Freehold
$1,065,217
View original listing
Ownership
Freehold
Bedrooms
4
Bathrooms
4
Built area
311 m²
True net yield
4.1%
≈ $6,989/mo net after costs & tax
5-yr total return (net + appreciation)
10.7% / yr avg
Payback in ~24 yrs from rent
Brixfox Score 71 · 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

Lagoa/Carvoeiro

Central Algarve, Approximate area

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Airbnb Comp Analysis

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Property details

Year built: 1997
Energy: E
Condition: excellent

Description

Discover this exclusive fully renovated villa, located in the heart of Lagoa, in a prestigious residential area that combines tranquility, centrality and quality of life. Spread over three floors, this property has been carefully designed to offer comfort, functionality and a contemporary style of excellence. On the g

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)
$636/night
50% ($293)Brixfox estimate($636/night)200% ($1171)
Occupancy
50%
10%Brixfox estimate(50%)100%

Short-Term Rental

Indicative
Yearly income
$55,569
Likely range $33,341 – $77,797
Airbnb data$636/night · 50% occupancy
Rental income
$636/night · 50% occ.
$106,863
Running costs (20%)
Utilities, cleaning, maintenance
-$21,373
Income tax (10%)
Indonesian rental income tax
-$29,922
Property tax
Annual property tax
-$0
Net income
5.2% ROI
$55,569

Investment Returns

After-tax net yield · all-in cost basis

Exact location

Net Yield · Fully-Managed · After Tax

4.1%

on all-in cost of $1,196,080

Scenario
Pre-tax
After-tax
Owner-managed
7.0%
6.2%
Fully-managed
4.9%
4.1%
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

8.9%

Annual Revenue

$106,863

Income Tax / yr

$9,350

Payback

24 yrs

True All-In Cost
Asking price$1,065,217
IMT — transfer tax (non-resident 7.5%)$79,891
Stamp duty (0.8%)$8,522
Notary + registry$2,174
Legal$13,102
Furnishing + STR launch$27,174
All-in cost$1,196,080

Growth & Exit Strategy

How your investment grows over time

Freehold — 4%/yr appreciation in Lagoa/Carvoeiro.

$6.5M$4.8M$3.2M$1.6M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $980K
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 16: 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
+$271K
Total Position
$1.5M
+49%
8.4%/yr
Year 10
Capital Value
$1.5M
+48%
Rental Income
+$586K
Total Position
$2.0M
+108%
7.6%/yr
Year 20
Capital Value
$2.1M
+119%
Rental Income
+$1.4M
Total Position
$3.5M
+259%
6.6%/yr
Year 30
Capital Value
$3.2M
+224%
Rental Income
+$2.4M
Total Position
$5.6M
+473%
6.0%/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.

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Villa Scorecard

Location
Average
Emerging or secondary location
Rental Yield
Good
5.2% annual return
Occupancy
Average
50% average occupancy
Nightly Rate
Strong
$585 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 $585 — 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 50% — 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.
4.6%
$4,064/mo
40% occ.
6.1%
$5,419/mo
50% occ.
7.6%
$6,732/mo
current
60% occ.
9.1%
$8,087/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.