Man falls in love with a ghost and drowns himself to join her
I saw this movie around 1995 and have searched everywhere in the net to find it. A single man moves into a house. In the cellar he sees an apparition, a female ghost that seems to be calling him. He finds some artifact from the woman in the cellar, and becomes obsessed with finding out who she was/is.
It turns out she was murdered, drown in a car in a nearby lake. As the police, who he ahs been pestering, are hauling the car out of the lake and finding her remains, the main character intentionally drowns himself to join her. It's not a big movie with lots of special effects, but it is subtle and surprisingly creepy in a way few ghost stories really are.
Appreciate the help.