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House in Montinhos da Luz, Luz
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Grade Avillamid-range

House in Montinhos da Luz, Luz

Lagos · Western Algarve ·

€750,000

Asking Price (EUR)

8.5%

True Net Yield (Owner, all-in)

6.1%

True Net Yield (Managed, all-in)

10.5%

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: €90,361/yr
Average Daily Rate: €437
-10.0% vs area baselineImage quality 6/10 (-3%), Portuguese-traditional style (+5%), No pool (-12%)
Payback Period: 16.0 years
5-yr Capital Value: €869,456
10-yr Capital Value: €1.0M
Brixfox Score: 77.2 / 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.

€859,850

+14.6% 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 (4bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€37,550
All-in investment (incl. renovation & furnishing)€859,850

Gross yield (asking price)

12.1%

True gross yield (all-in)

10.5%

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: 3
Building: 160 m²
Land: 462 m²
Style: portuguese-traditional
Condition: good
Year Built: 2003
Energy Certificate: C

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

bougainvillea-covered facadeoutdoor kitchen with built-in BBQjacuzzi

Score Breakdown

ROI
21.52
Visual Appeal
9.4
Ownership Security
13
Location
8.4
Land & Space
11.24
Rental Demand
5.67
Payback Speed
4
STR Suitability
4

Description

Discover this fantastic villa, a charming house located in the picturesque Vila da Luz in Lagos. With 4 bedrooms and 3 bathrooms, this villa offers a generous area of 160m² on a plot of 462m². The property is in good condition, perfect for those looking for a cozy and ready-to-move-in home. With class C energy certif

Location

📍 37.0874°N, 8.7483°W

· Lagos, Algarve, Portugal

View this property on Zonas Mágicas →Listed via Idealista.pt
4-bedroom freehold villa in Lagos — photo 1 of 5
Zonas Mágicas
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

House in Montinhos da Luz, Luz

Lagos · Western Algarve · Ref BF-649 Source verified · Zonas Mágicas · listed 3 Jun 2026
Asking price · Freehold
$815,217
View original listing
Ownership
Freehold
Bedrooms
4
Bathrooms
3
Built area
160 m²
Land
462 m²
True net yield
6.3%
≈ $7,956/mo net after costs & tax
5-yr total return (net + appreciation)
13.0% / yr avg
Payback in ~16 yrs from rent
Brixfox Score 77 · 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: 2003
Energy: C
Condition: good

Description

Discover this fantastic villa, a charming house located in the picturesque Vila da Luz in Lagos. With 4 bedrooms and 3 bathrooms, this villa offers a generous area of 160m² on a plot of 462m². The property is in good condition, perfect for those looking for a cozy and ready-to-move-in home. With class C energy certif

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)
$614/night
50% ($283)Brixfox estimate($614/night)200% ($1130)
Occupancy
57%
10%Brixfox estimate(57%)100%

Short-Term Rental

Indicative
Yearly income
$61,184
Likely range $36,711 – $85,658
Airbnb data$614/night · 57% occupancy
Rental income
$614/night · 57% occ.
$117,662
Running costs (20%)
Utilities, cleaning, maintenance
-$23,532
Income tax (10%)
Indonesian rental income tax
-$32,945
Property tax
Annual property tax
-$0
Net income
7.5% ROI
$61,184

Investment Returns

After-tax net yield · all-in cost basis

Area estimate

Net Yield · Area Estimate

6.3%

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

Scenario
Pre-tax
After-tax
Owner-managed
10.3%
9.2%
Fully-managed
7.4%
6.3%
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

12.8%

Annual Revenue

$117,662

Income Tax / yr

$10,296

Payback

16 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.

$5.9M$4.4M$2.9M$1.5M$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 12: rental income alone has repaid the full purchase price.
2x return
Year 8: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$912K
+22%
Rental Income
+$299K
Total Position
$1.2M
+62%
10.1%/yr
Year 10
Capital Value
$1.1M
+48%
Rental Income
+$645K
Total Position
$1.8M
+134%
8.9%/yr
Year 20
Capital Value
$1.6M
+119%
Rental Income
+$1.5M
Total Position
$3.2M
+321%
7.4%/yr
Year 30
Capital Value
$2.4M
+224%
Rental Income
+$2.7M
Total Position
$5.1M
+581%
6.6%/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
7.5% annual return
Occupancy
Average
57% average occupancy
Nightly Rate
Strong
$565 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 $565 — 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 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.
7.1%
$4,797/mo
47% occ.
9.0%
$6,105/mo
57% occ.
10.9%
$7,413/mo
current
67% occ.
12.8%
$8,721/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.