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House in Rampa Mato Serrão, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro
House in Rampa Mato Serrão, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 2House in Rampa Mato Serrão, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 3House in Rampa Mato Serrão, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 4House in Rampa Mato Serrão, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro — image 5
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House in Rampa Mato Serrão, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve ·

€395,000

Asking Price (EUR)

12.2%

True Net Yield (Owner, all-in)

8.7%

True Net Yield (Managed, all-in)

15.1%

True Gross Yield

48%

Occupancy

Projections — conservative (data maturing)

Our Airbnb calendar dataset started 2.8 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: €68,956/yr
Average Daily Rate: €398
+13.0% vs area baselineImage quality 8/10 (+3%), Modern/contemporary style (+12%), No pool (-12%), Has garden (+10%)
Payback Period: 11.4 years
5-yr Capital Value: €457,913
10-yr Capital Value: €530,847
Brixfox Score: 79 / 100
Comparable Properties: 13
Data Confidence: 83%
Search Radius: 2 km

True Investment Cost

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

€456,965

+15.7% over asking

Asking price€395,000
IMT — Property transfer tax (investment schedule)€19,430
IS — Stamp duty (0.8%)€3,160
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€5,925
Total acquisition costs€29,765
Renovation€0 — move-in ready
Furnishing & STR launch (3bd × €4500 base, mid-range tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€32,200
All-in investment (incl. renovation & furnishing)€456,965

Gross yield (asking price)

17.5%

True gross yield (all-in)

15.1%

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: 3
Bathrooms: 2
Building: 153 m²
Style: contemporary
Condition: excellent
Energy Certificate: In process
garden

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

private garden/patiomodern glass balconiesintegrated outdoor dining area

Score Breakdown

ROI
25
Visual Appeal
11.6
Ownership Security
13
Location
10.56
Land & Space
5.06
Rental Demand
4.75
Payback Speed
5
STR Suitability
4

Description

Discover the Lumina Villas development, a private condominium of excellence located in Carvoeiro, just 5 minutes from the most emblematic beaches in the Algarve. Consisting of 58 semi-detached houses, this project offers T2+1 typologies, carefully designed to provide functionality, comfort and modernity. Each unit has

Location

📍 37.0940°N, 8.4720°W

· Lagoa/Carvoeiro, Algarve, Portugal

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

House in Rampa Mato Serrão, Mato Serrão - Vale da Lapa - Vale Currais, Lagoa e Carvoeiro

Lagoa/Carvoeiro · Central Algarve · Ref BF-66617 Source verified · Soluções Imobiliária · listed 2 Jun 2026
Asking price · Freehold
$429,348
View original listing
Ownership
Freehold
Bedrooms
3
Bathrooms
2
Built area
153 m²
True net yield
8.8%
≈ $6,087/mo net after costs & tax
5-yr total return (net + appreciation)
16.4% / yr avg
Payback in ~11 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

Lagoa/Carvoeiro

Central Algarve, Approximate area

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Airbnb Comp Analysis

Finding Airbnb comps...

Property details

Energy: In process
Condition: excellent
View: garden

Description

Discover the Lumina Villas development, a private condominium of excellence located in Carvoeiro, just 5 minutes from the most emblematic beaches in the Algarve. Consisting of 58 semi-detached houses, this project offers T2+1 typologies, carefully designed to provide functionality, comfort and modernity. Each unit has

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)
$561/night
50% ($258)Brixfox estimate($561/night)200% ($1032)
Occupancy
48%
10%Brixfox estimate(48%)100%

Short-Term Rental

Indicative
Yearly income
$46,801
Likely range $28,080 – $65,522
Airbnb data$561/night · 48% occupancy
Rental income
$561/night · 48% occ.
$90,002
Running costs (20%)
Utilities, cleaning, maintenance
-$18,000
Income tax (10%)
Indonesian rental income tax
-$25,201
Property tax
Annual property tax
-$0
Net income
10.9% ROI
$46,801

Investment Returns

After-tax net yield · all-in cost basis

Area estimate

Net Yield · Area Estimate

8.8%

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

Scenario
Pre-tax
After-tax
Owner-managed
14.6%
13.0%
Fully-managed
10.3%
8.8%
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

18.0%

Annual Revenue

$90,002

Income Tax / yr

$7,875

Payback

11 yrs

True All-In Cost
Asking price$429,348
IMT — transfer tax (non-resident 7.5%)$32,201
Stamp duty (0.8%)$3,435
Notary + registry$2,174
Legal$5,282
Furnishing + STR launch$27,174
All-in cost$499,613

Growth & Exit Strategy

How your investment grows over time

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

$3.8M$2.9M$1.9M$957K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $395K
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 9: rental income alone has repaid the full purchase price.
2x return
Year 7: total gains (capital + rental) have doubled your initial investment.
Year 5
Capital Value
$481K
+22%
Rental Income
+$229K
Total Position
$709K
+80%
12.4%/yr
Year 10
Capital Value
$585K
+48%
Rental Income
+$494K
Total Position
$1.1M
+173%
10.6%/yr
Year 20
Capital Value
$865K
+119%
Rental Income
+$1.2M
Total Position
$2.0M
+412%
8.5%/yr
Year 30
Capital Value
$1.3M
+224%
Rental Income
+$2.0M
Total Position
$3.3M
+743%
7.4%/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
Strong
10.9% annual return
Occupancy
Average
48% average occupancy
Nightly Rate
Strong
$516 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

High rental yield at 10.9% — outperforms most villas in this market
Premium nightly rate of $516 — 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 48% — 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.
10.0%
$3,581/mo
40% occ.
13.3%
$4,775/mo
48% occ.
15.8%
$5,670/mo
current
58% occ.
19.2%
$6,864/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.