Why not hire some nearby villagers to build it for you?
By big question mark, I'm assuming the task of programming it rather than the logic behind it. You can't just spawn homes out of nothing. They must be constructed, they must look realistic when finished, and they need to look good enough to make people want to live in them. That's not something you can really do in this sort of game yet. Too much room for error, and a lot of unaccounted for details. Where do you get the furniture? Do you have to carve that yourself? How do you move it? Is your door likely to be positioned above the ground or in it if you place the house at a wrong angle? Do you have the ability to flatten the surrounding terrain to make room for a home?
Basically, this is all accomplished in a much easier way through modding. I'm going to stick with that, as I can make much better buildings in the Creation Kit (Construction Set) with full access to any resource than I think I can do with a restrictive system in the game itself. It's just easier and would yield better results.
What I'd like to happen though is a few quest-based housing developments like the strongholds in Morrowind. I'd like to see strongholds, but perhaps you could just request a small estate for yourself in the wilderness as well.