All of the above, plus the expanded apartment thing they'll get around to eventually (+ balcony and/or lawn), plus make the first, say, 5 Wards FC-only for that neighborhood feel. Make plots capable of being increased in size. And make it so that upon exiting your apartment, you get to choose which Ward you exit into. Maybe give the apartment lobby an instanced zone so that the residents from all Wards in that region are capable of passing by one another/meeting up. Give it the Chocobo Square treatment where having too many people will spawn a secondary instance.

There. Now we've hit crazy!


Edit: But really, removing the housing lock on things and making apartments more robust would go a long way all by themselves.