This family might fit.

Ramsey Census 1851
The household of Jane Stephen in King Street
Jane Stephen, Widow, age 40, born Andreas
Richard Cowell, son, age 20, born Andreas
Jane Cowell, dr, age 18, born Lezayre
Eliza Cowell, dr, age 13, born Lezayre
Fred Cowell, son, age 14, born Lezayre
Christian Stephen, dr, age 6, born Ramsey
Thomas Stephen, son, age 5, born Ramsey
Emily Stephen, dr, age 1, born Ramsey.

Looking up the Cowell childrens' baptisms in the IGI shows their parents were William Cowell and Jane Christian.

Thomas Stephen married Jane Cowle at Maughold 31 July 1842. Both were from Ramsey and Jane was a widow.