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Detached house in Urbanização Luzmar, Montinhos da Luz, Luz
Detached house in Urbanização Luzmar, Montinhos da Luz, Luz — image 2Detached house in Urbanização Luzmar, Montinhos da Luz, Luz — image 3Detached house in Urbanização Luzmar, Montinhos da Luz, Luz — image 4Detached house in Urbanização Luzmar, Montinhos da Luz, Luz — image 5
Grade Avillamid-range

Detached house in Urbanização Luzmar, Montinhos da Luz, Luz

Lagos · Western Algarve ·

€1.2M

Asking Price (EUR)

7.0%

True Net Yield (Owner, all-in)

5.0%

True Net Yield (Managed, all-in)

8.6%

True Gross Yield

57%

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: €117,976/yr
Average Daily Rate: €566
+15.0% vs area baselinePortuguese-traditional style (+5%), Has pool (0%), Has view (+10%)
Payback Period: 19.2 years
5-yr Capital Value: €1.4M
10-yr Capital Value: €1.6M
Brixfox Score: 78.6 / 100
Comparable Properties: 8
Data Confidence: 79%
Search Radius: 2 km

True Investment Cost

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

€1.4M

+14.3% over asking

Asking price€1.2M
IMT — Property transfer tax (investment schedule)€90,000
IS — Stamp duty (0.8%)€9,600
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€18,000
Total acquisition costs€118,850
Renovation (est. €55/m² × 235 m²)
Light touch-ups — paint, fixtures, deep clean.		€12,925
(€7,050–€18,800)
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)€1.4M

Gross yield (asking price)

9.8%

True gross yield (all-in)

8.6%

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: 235 m²
Land: 1275 m²
Style: portuguese-traditional
Condition: good
Year Built: 2002
Energy Certificate: C
Private Pool
View

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

blue and white exterior accentsmultiple terraces with sea viewstraditional tiled roof

Score Breakdown

ROI
18.66
Visual Appeal
12.8
Ownership Security
13
Location
8.4
Land & Space
12
Rental Demand
5.71
Payback Speed
4
STR Suitability
4

Description

Located in the peaceful and well-established area of Montinhos da Luz, this elegant four-bedroom villa offers privacy, generous living spaces and beautiful sea views from the upper floor. The property is ideally positioned within a comfortable 15-minute walk of the beach and everyday amenities, making it suitable for b

Location

📍 37.0859°N, 8.7453°W

· Lagos, Algarve, Portugal

Listed by Algarve Unique Properties via Idealista.pt
4-bedroom freehold villa in Lagos — photo 1 of 5
Idealista.pt
4-bedroom freehold villa in Lagos — photo 2 of 5
4-bedroom freehold villa in Lagos — photo 3 of 5
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4-bedroom freehold villa in Lagos — photo 5 of 5

Detached house in Urbanização Luzmar, Montinhos da Luz, Luz

Lagos · Western Algarve · Ref BF-496 Source verified · Idealista.pt · listed 3 Jun 2026
Asking price · Freehold
$1,304,348
Ownership
Freehold
Bedrooms
4
Bathrooms
4
Built area
235 m²
Land
1275 m²
True net yield
5.2%
≈ $10,395/mo net after costs & tax
5-yr total return (net + appreciation)
11.7% / yr avg
Payback in ~19 yrs from rent
Brixfox Score 79 · 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

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Airbnb Comp Analysis

Finding Airbnb comps...

Property details

Year built: 2002
Energy: C
Condition: good

Description

Located in the peaceful and well-established area of Montinhos da Luz, this elegant four-bedroom villa offers privacy, generous living spaces and beautiful sea views from the upper floor. The property is ideally positioned within a comfortable 15-minute walk of the beach and everyday amenities, making it suitable for b

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)
$796/night
50% ($366)Brixfox estimate($796/night)200% ($1464)
Occupancy
57%
10%Brixfox estimate(57%)100%

Short-Term Rental

Indicative
Yearly income
$79,896
Likely range $47,938 – $111,854
Airbnb data$796/night · 57% occupancy
Rental income
$796/night · 57% occ.
$153,647
Running costs (20%)
Utilities, cleaning, maintenance
-$30,729
Income tax (10%)
Indonesian rental income tax
-$43,021
Property tax
Annual property tax
-$0
Net income
6.1% ROI
$79,896

Investment Returns

After-tax net yield · all-in cost basis

Area estimate

Net Yield · Area Estimate

5.2%

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

Scenario
Pre-tax
After-tax
Owner-managed
8.6%
7.7%
Fully-managed
6.1%
5.2%
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

10.6%

Annual Revenue

$153,647

Income Tax / yr

$13,445

Payback

19 yrs

True All-In Cost
Asking price$1,304,348
IMT — transfer tax (non-resident 7.5%)$97,826
Stamp duty (0.8%)$10,435
Notary + registry$2,174
Legal$13,370
Furnishing + STR launch$27,174
All-in cost$1,455,326

Growth & Exit Strategy

How your investment grows over time

Freehold — 4%/yr appreciation in Lagos.

$8.5M$6.4M$4.2M$2.1M$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $1.2M
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
$1.5M
+22%
Rental Income
+$390K
Total Position
$1.9M
+54%
9.0%/yr
Year 10
Capital Value
$1.8M
+48%
Rental Income
+$843K
Total Position
$2.6M
+118%
8.1%/yr
Year 20
Capital Value
$2.6M
+119%
Rental Income
+$2.0M
Total Position
$4.6M
+284%
7.0%/yr
Year 30
Capital Value
$3.9M
+224%
Rental Income
+$3.5M
Total Position
$7.4M
+516%
6.2%/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
6.1% annual return
Occupancy
Average
57% average occupancy
Nightly Rate
Strong
$732 per night
Visual Appeal
Good
7/10 instagrammability
Size & Space
Strong
1275 m² land area
Zoning
Average
STR zoning not confirmed
Tenure
Strong
Freehold ownership

Top Highlights

Premium nightly rate of $732 — positioned in the top tier
Generous 1275 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 57% — 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

37% occ.
5.8%
$6,290/mo
47% occ.
7.3%
$7,985/mo
57% occ.
8.9%
$9,680/mo
current
67% occ.
10.5%
$11,374/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.