Hate to bother anyone with this question, but before I drop a good amount of gil on a house... I need these questions answered if anyone has the information.

Will 2.45 be adding any new housing wards at all? If not....

Say I want to buy a house from an individual (not an individual who owns an FC and would just transfer ownership to me if I bought the house.) How exactly can this be done? I've seen advertisements up in PF, but usually I find them when the people seem to be AFK. How exactly does it work for someone to just sell their house to another player? Can they transfer ownership over? Or do they relinquish the house back to the system and you not only are paying the player, but having to purchase the land/housing permit as if it were new? So in short paying double? Just confused and would love these queries of mine answered. Thanks in advance to anyone who can.