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A house by the lake would be nice. Perhaps an island as well.
I would definitely go for a recursive island. It’s an island with a lake, that has an island.
Turns out there’s a ton of them in Finland.
There I would build my house: by a private lake, with a summer house on the private island on the private lake.
It's unfortunelately really hard to get a building permit on a island. They're virtually always vacation home plots. Funnily enough though islands are usually cheaper than the equivalent size of land on the mainland.
Of everywhere I traveled, my favorite place in the world to visit was Samosir Island in Lake Toba.
So it's a lake island in a volcanic lake on the Island of Sumatra in the worlds biggest Island country (Indonesia).
Its not a private Island and there are people living there and even tourists coming regularly. But getting to it is quite the effort, so I call it reclusive in that way.
By private do you mean "Already inhabited by 12 billion mosquitos"?