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Detached house in Rua Direita, 3, Praia da Luz, Luz
Detached house in Rua Direita, 3, Praia da Luz, Luz — image 2Detached house in Rua Direita, 3, Praia da Luz, Luz — image 3Detached house in Rua Direita, 3, Praia da Luz, Luz — image 4Detached house in Rua Direita, 3, Praia da Luz, Luz — image 5
Grade Bvillabudget

Detached house in Rua Direita, 3, Praia da Luz, Luz

Lagos · Western Algarve ·

€399,000

Asking Price (EUR)

4.3%

True Net Yield (Owner, all-in)

2.8%

True Net Yield (Managed, all-in)

5.9%

True Gross Yield

59%

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: €36,412/yr
Average Daily Rate: €169
-25.0% vs area baselineImage quality 5/10 (-6%), Portuguese-traditional style (+5%), No pool (-12%), Budget finish (-12%)
Payback Period: 27.8 years
5-yr Capital Value: €462,550
10-yr Capital Value: €536,223
Brixfox Score: 59.8 / 100
Comparable Properties: 37
Data Confidence: 96%
Search Radius: 2 km

True Investment Cost

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

€615,427

+54.2% over asking

Asking price€399,000
IMT — Property transfer tax (investment schedule)€19,750
IS — Stamp duty (0.8%)€3,192
Notary (escritura)€1,000
Property registry€250
Legal fees (~1.5%)€5,985
Total acquisition costs€30,177
Renovation (est. €900/m² × 186 m²)
Substantial renovation — full bathrooms + kitchen, rewiring, plumbing, finishes.		€167,400
(€130,200–€204,600)
Furnishing & STR launch (2bd × €2500 base, budget tier)
Furniture, appliances, electronics, linens, AL licence setup, launch photography.		€18,850
All-in investment (incl. renovation & furnishing)€615,427

Gross yield (asking price)

9.1%

True gross yield (all-in)

5.9%

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: 2
Building: 186 m²
Land: 186 m²
Style: portuguese-traditional
Condition: needs-renovation
Year Built: 1950
Energy Certificate: E

AL Licence Status Unconfirmed

AL licence status unconfirmed — verify before purchase

Design Features

cobblestone streettraditional blue and white facadestone paved courtyard

Score Breakdown

ROI
13.6
Visual Appeal
6.8
Ownership Security
13
Location
10.2
Land & Space
4.31
Rental Demand
5.89
Payback Speed
2
STR Suitability
4

Description

2 BEDROOM HOUSE IN LUZ, LAGOS – EXCELLENT INVESTMENT OPPORTUNITY Located on Rua Direita da Luz, the main street of the village, this house is available for sale for €399,000 and benefits from a privileged location, just 300 metres from the beach. With an area of 186 m², this property offers excellent potential for pr

Location

📍 37.0871°N, 8.7300°W

· Lagos, Algarve, Portugal

Visit CENTURY 21 Universe →Listed via Idealista.pt
2-bedroom freehold villa in Lagos — photo 1 of 5
CENTURY 21 Universe
2-bedroom freehold villa in Lagos — photo 2 of 5
2-bedroom freehold villa in Lagos — photo 3 of 5
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2-bedroom freehold villa in Lagos — photo 5 of 5

Detached house in Rua Direita, 3, Praia da Luz, Luz

Lagos · Western Algarve · Ref BF-995 Source verified · CENTURY 21 Universe · listed 3 Jun 2026
Asking price · Freehold
$433,696
View original listing
Ownership
Freehold
Bedrooms
2
Bathrooms
2
Built area
186 m²
Land
186 m²
True net yield
3.6%
≈ $2,854/mo net after costs & tax
5-yr total return (net + appreciation)
11.2% / yr avg
Payback in ~28 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

Year built: 1950
Energy: E
Condition: needs-renovation

Description

2 BEDROOM HOUSE IN LUZ, LAGOS – EXCELLENT INVESTMENT OPPORTUNITY Located on Rua Direita da Luz, the main street of the village, this house is available for sale for €399,000 and benefits from a privileged location, just 300 metres from the beach. With an area of 186 m², this property offers excellent potential for pr

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% ($110)Brixfox estimate($238/night)200% ($438)
Occupancy
59%
10%Brixfox estimate(59%)100%

Short-Term Rental

Indicative
Yearly income
$24,653
Likely range $14,791 – $34,513
Airbnb data$238/night · 59% occupancy
Rental income
$238/night · 59% occ.
$47,409
Running costs (20%)
Utilities, cleaning, maintenance
-$9,482
Income tax (10%)
Indonesian rental income tax
-$13,274
Property tax
Annual property tax
-$0
Net income
5.7% ROI
$24,653

Investment Returns

After-tax net yield · all-in cost basis

Area estimate

Net Yield · Area Estimate

3.6%

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

Scenario
Pre-tax
After-tax
Owner-managed
6.8%
6.0%
Fully-managed
4.4%
3.6%
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

9.4%

Annual Revenue

$47,409

Income Tax / yr

$4,148

Payback

28 yrs

True All-In Cost
Asking price$433,696
IMT — transfer tax (non-resident 7.5%)$32,527
Stamp duty (0.8%)$3,470
Notary + registry$2,174
Legal$5,335
Furnishing + STR launch$27,174
All-in cost$504,375

Growth & Exit Strategy

How your investment grows over time

Freehold — 4%/yr appreciation in Lagos.

$2.7M$2.0M$1.4M$682K$0Yr 0Yr 5Yr 10Yr 15Yr 20Yr 25Yr 30Paid back2x ReturnToday: $399K
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 15: 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
$485K
+22%
Rental Income
+$120K
Total Position
$606K
+52%
8.7%/yr
Year 10
Capital Value
$591K
+48%
Rental Income
+$260K
Total Position
$851K
+113%
7.9%/yr
Year 20
Capital Value
$874K
+119%
Rental Income
+$609K
Total Position
$1.5M
+272%
6.8%/yr
Year 30
Capital Value
$1.3M
+224%
Rental Income
+$1.1M
Total Position
$2.4M
+495%
6.1%/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
5.7% annual return
Occupancy
Average
59% average occupancy
Nightly Rate
Strong
$219 per night
Visual Appeal
Weak
3/10 instagrammability
Size & Space
Average
186 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 59% — 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

39% occ.
5.5%
$1,972/mo
49% occ.
6.9%
$2,480/mo
59% occ.
8.3%
$2,987/mo
current
69% occ.
9.7%
$3,494/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.