Why buy an apartment when you can have your own private island?

NEW Yorkers wanting to buy a new home would be better off buying their own private island than one of the city’s expensive apartments.

While the average New York apartment costs more than $1.4  million, Willow Island on Putnam Lake in Patterson, New York, costs $995,000 — and comes with a three-story, four-bedroom home.

The one-acre property also comes with its own special New York City provenance. The house was built by one of the engineers who created the Holland Tunnel.

The island is an hour-and-a-half commute from Manhattan, says listing broker Uri Hanoch, of Douglas Elliman.

But the deal does come with a hitch. The new buyer will have to row home each night from Patterson, where the property comes with a two-car garage.

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