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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 ·

€320,000

Asking Price (EUR)

6.3%

True Net Yield (Owner, all-in)

4.0%

True Net Yield (Managed, all-in)

8.8%

True Gross Yield

52%

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: €32,294/yr
Average Daily Rate: €169
Payback Period: 26.4 years
5-yr Capital Value: €370,968
10-yr Capital Value: €430,053
Brixfox Score: 59.9 / 100
Comparable Properties: 87
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.

€366,125

+14.4% over asking

Asking price€320,000
IMT — Property transfer tax (investment schedule)€13,430
IS — Stamp duty (0.8%)€2,560
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€4,800
Total acquisition costs€22,040
Renovation (est. €55/m² × 47 m²)
Light touch-ups — paint, fixtures, deep clean.		€2,585
(€1,410–€3,760)
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)€366,125

Gross yield (asking price)

10.1%

True gross yield (all-in)

8.8%

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: 1
Bathrooms: 2
Building: 47 m²
Land: 23 m²
Style: portuguese-traditional
Condition: good
Energy Certificate: Exempt
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

beachfront locationtraditional Portuguese streetnautical decor accentstiled kitchen backsplash

Score Breakdown

ROI
14.23
Visual Appeal
10
Ownership Security
13
Location
10.44
Land & Space
1.02
Rental Demand
5.24
Payback Speed
2
STR Suitability
4

Description

This beautiful fully renovated 2 storey house is situated in an excellent location right in the heart of the historic town centre of Lagos, in a quiet residential street, not close to any noisy bars! The ground floor comprises an open-plan living/ dining room with kitchen. The fitted kitchen has beautiful wooden count

Location

📍 37.1010°N, 8.6683°W

· Lagos, Algarve, Portugal

View this property on SeaToSky Homes, Algarve →Listed via Idealista.pt
1-bedroom freehold villa in Lagos — photo 1 of 5
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Terraced house in Centro, Lagos Cidade, Lagos

Lagos · Western Algarve · Ref BF-1992 Source verified · SeaToSky Homes, Algarve · listed 2 Jun 2026
Asking price · Freehold
$347,826
View original listing
Ownership
Freehold
Bedrooms
1
Bathrooms
2
Built area
47 m²
Land
23 m²
True net yield
3.8%
≈ $2,498/mo net after costs & tax
5-yr total return (net + appreciation)
11.8% / yr avg
Payback in ~26 yrs from rent
Brixfox Score 60 · 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

Energy: Exempt
Condition: good

Description

This beautiful fully renovated 2 storey house is situated in an excellent location right in the heart of the historic town centre of Lagos, in a quiet residential street, not close to any noisy bars! The ground floor comprises an open-plan living/ dining room with kitchen. The fitted kitchen has beautiful wooden count

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)
$238/night
50% ($109)Brixfox estimate($238/night)200% ($437)
Occupancy
52%
10%Brixfox estimate(52%)100%

Short-Term Rental

Indicative
Yearly income
$21,865
Likely range $13,118 – $30,611
Airbnb data$238/night · 52% occupancy
Rental income
$238/night · 52% occ.
$42,048
Running costs (20%)
Utilities, cleaning, maintenance
-$8,410
Income tax (10%)
Indonesian rental income tax
-$11,773
Property tax
Annual property tax
-$0
Net income
6.3% ROI
$21,865

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 $410,322

Scenario
Pre-tax
After-tax
Owner-managed
7.3%
6.4%
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

10.3%

Annual Revenue

$42,048

Income Tax / yr

$3,679

Payback

26 yrs

True All-In Cost
Asking price$347,826
IMT — transfer tax (non-resident 7.5%)$26,087
Stamp duty (0.8%)$2,783
Notary + registry$2,174
Legal$4,278
Furnishing + STR launch$27,174
All-in cost$410,322

Growth & Exit Strategy

How your investment grows over time

Freehold — 4%/yr appreciation in Lagos.

$2.3M$1.7M$1.1M$574K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $320K
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 14: 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
$389K
+22%
Rental Income
+$107K
Total Position
$496K
+55%
9.2%/yr
Year 10
Capital Value
$474K
+48%
Rental Income
+$231K
Total Position
$704K
+120%
8.2%/yr
Year 20
Capital Value
$701K
+119%
Rental Income
+$541K
Total Position
$1.2M
+288%
7.0%/yr
Year 30
Capital Value
$1.0M
+224%
Rental Income
+$957K
Total Position
$2.0M
+523%
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
6.3% annual return
Occupancy
Average
52% average occupancy
Nightly Rate
Strong
$219 per night
Visual Appeal
Good
7/10 instagrammability
Size & Space
Weak
23 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $219 — 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 52% — 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

32% occ.
5.6%
$1,637/mo
42% occ.
7.4%
$2,143/mo
52% occ.
9.1%
$2,649/mo
current
62% occ.
10.9%
$3,155/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.