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Semi-detached house in Montinhos da Luz, Luz
Semi-detached house in Montinhos da Luz, Luz — image 2Semi-detached house in Montinhos da Luz, Luz — image 3Semi-detached house in Montinhos da Luz, Luz — image 4Semi-detached house in Montinhos da Luz, Luz — image 5
Grade Bvillamid-range

Semi-detached house in Montinhos da Luz, Luz

Lagos · Western Algarve ·

€750,000

Asking Price (EUR)

3.3%

True Net Yield (Owner, all-in)

2.1%

True Net Yield (Managed, all-in)

4.8%

True Gross Yield

54%

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: €40,585/yr
Average Daily Rate: €206
-10.0% vs area baselineImage quality 6/10 (-3%), Portuguese-traditional style (+5%), No pool (-12%)
Payback Period: 49.3 years
5-yr Capital Value: €869,456
10-yr Capital Value: €1.0M
Brixfox Score: 61.5 / 100
Comparable Properties: 41
Data Confidence: 90%
Search Radius: 2 km

True Investment Cost

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

€849,150

+13.2% over asking

Asking price€750,000
IMT — Property transfer tax (investment schedule)€45,000
IS — Stamp duty (0.8%)€6,000
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€11,250
Total acquisition costs€63,500
Renovation (est. €55/m² × 160 m²)
Light touch-ups — paint, fixtures, deep clean.		€8,800
(€4,800–€12,800)
Furnishing & STR launch (2bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€26,850
All-in investment (incl. renovation & furnishing)€849,150

Gross yield (asking price)

5.4%

True gross yield (all-in)

4.8%

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: 2
Bathrooms: 3
Building: 160 m²
Land: 462 m²
Style: portuguese-traditional
Condition: good
Year Built: 2008
Energy Certificate: C

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

cobblestone driveway and patiobougainvillea facadefireplace

Score Breakdown

ROI
8.1
Visual Appeal
10.4
Ownership Security
13
Location
8.4
Land & Space
11.24
Rental Demand
5.39
Payback Speed
1
STR Suitability
4

Description

Located just a few minutes' drive from Praia da Luz, in a quiet and exclusive area of Montinhos da Luz, this fantastic villa combines traditional charm with comfort and energy efficiency, offering a true sense of privacy and serenity. On the ground floor there is a bright, fully equipped kitchen with a dining area, whi

Location

📍 37.0874°N, 8.7483°W

· Lagos, Algarve, Portugal

View this property on Algarve Sunset Properties →Listed via Idealista.pt
2-bedroom freehold villa in Lagos — photo 1 of 5
Algarve Sunset Properties
2-bedroom freehold villa in Lagos — photo 2 of 5
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2-bedroom freehold villa in Lagos — photo 5 of 5

Semi-detached house in Montinhos da Luz, Luz

Lagos · Western Algarve · Ref BF-1896 Source verified · Algarve Sunset Properties · listed 3 Jun 2026
Asking price · Freehold
$815,217
View original listing
Ownership
Freehold
Bedrooms
2
Bathrooms
3
Built area
160 m²
Land
462 m²
True net yield
2.0%
≈ $3,040/mo net after costs & tax
5-yr total return (net + appreciation)
8.9% / yr avg
Payback in ~49 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

Finding Airbnb comps...

Property details

Year built: 2008
Energy: C
Condition: good

Description

Located just a few minutes' drive from Praia da Luz, in a quiet and exclusive area of Montinhos da Luz, this fantastic villa combines traditional charm with comfort and energy efficiency, offering a true sense of privacy and serenity. On the ground floor there is a bright, fully equipped kitchen with a dining area, whi

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)
$290/night
50% ($133)Brixfox estimate($290/night)200% ($534)
Occupancy
54%
10%Brixfox estimate(54%)100%

Short-Term Rental

Indicative
Yearly income
$27,474
Likely range $16,485 – $38,464
Airbnb data$290/night · 54% occupancy
Rental income
$290/night · 54% occ.
$52,835
Running costs (20%)
Utilities, cleaning, maintenance
-$10,567
Income tax (10%)
Indonesian rental income tax
-$14,794
Property tax
Annual property tax
-$0
Net income
3.4% ROI
$27,474

Investment Returns

After-tax net yield · all-in cost basis

Area estimate

Net Yield · Area Estimate

2.0%

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

Scenario
Pre-tax
After-tax
Owner-managed
4.0%
3.5%
Fully-managed
2.5%
2.0%
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

5.7%

Annual Revenue

$52,835

Income Tax / yr

$4,623

Payback

49 yrs

True All-In Cost
Asking price$815,217
IMT — transfer tax (non-resident 7.5%)$61,141
Stamp duty (0.8%)$6,522
Notary + registry$2,174
Legal$10,027
Furnishing + STR launch$27,174
All-in cost$922,255

Growth & Exit Strategy

How your investment grows over time

Freehold — 4%/yr appreciation in Lagos.

$4.2M$3.1M$2.1M$1.0M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $750K
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 22: rental income alone has repaid the full purchase price.
2x return
Year 12: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$912K
+22%
Rental Income
+$134K
Total Position
$1.0M
+40%
6.9%/yr
Year 10
Capital Value
$1.1M
+48%
Rental Income
+$290K
Total Position
$1.4M
+87%
6.4%/yr
Year 20
Capital Value
$1.6M
+119%
Rental Income
+$679K
Total Position
$2.3M
+210%
5.8%/yr
Year 30
Capital Value
$2.4M
+224%
Rental Income
+$1.2M
Total Position
$3.6M
+385%
5.4%/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
Average
3.4% annual return
Occupancy
Average
54% average occupancy
Nightly Rate
Strong
$267 per night
Visual Appeal
Good
6/10 instagrammability
Size & Space
Good
462 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $267 — 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 3.4% 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

34% occ.
3.1%
$2,094/mo
44% occ.
4.0%
$2,711/mo
54% occ.
4.9%
$3,329/mo
current
64% occ.
5.8%
$3,946/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.