A five‑bedroom, 3,800‑sq‑ft villa on Cross Island in Strangford Lough, County Down, has been put up for offers around £1.15 million. The home, one of only three on the island, boasts a private jetty, three acres of gardens and sweeping views of the lough, targeting buyers who value secluusion without total isolation.

Cross Island’s £1.15 million price tag draws niche buyers

The asking price of roughly £1.15 million positions the property at the high end of Northern Ireland’s market, yet remains modest compared with similar waterfront estates elsewhere in the UK. john Minnis Estate Agents, handling the sale, described the home as “one of the most unique properties we’ve ever marketed,” emphasizing its appeal to those seeking a low‑denstiy lifestyle within reach of Belfast and nearby towns.

Three‑acre landscaped gardens and private jetty enhance island isolation

The estate sits on three acres of meticulously landscaped grounds, complete with a private jetty equipped with tram lines, a slipway and a boathouse. A causeway also links the island to the mainland, ensuring year‑round access despite the property’s remote feel. Inside, floor‑to‑ceiling windows flood the five bedrooms, four bathrooms and four reception rooms with natural light , while a revolving summer house provides an extra venue for enjoying the coastal air.

Stamp duty estimate of £58,750 adds to purchase calculations

Buyers should anticipate stamp duty of about £58,750 on a £1.15 million transaction, according to the listing details.. The cost reflects the property’s classification as a residential purchase above the £125,000 threshold, a factor that may influence financing decisions in a market where mortgage rates have risen amid broader inflation pressures.

Northern Ireland’s average house price at £198,000 frames market context

The Cross Island listing arrives as Northern Ireland’s average house price reached £198,000 in Q1 2026 , a 7.4 % year‑on‑year increase, per regional statistics. while the island villa sits well above the regional average, its unique location and amenities differentiate it from typical market offerings, highlighting a niche segment that values exclusivity over price competitiveness.

Who will afford the £1.15 million island retreat?

The source does not name any interested parties, leaving it unclear whether domestic high‑net‑worth individuals or overseas investors will ultimately secure the purchase. Additionally, the report does not confirm whether any financing incentives, such as fee‑free mortgages offered through partnerships like This Is Money and London & Country Mortgages, will be applied to this specific sale.