I was thinking the same thing in regards to how housing should work at this point. Thought my thought was instanced neighborhoods with a reservation queue. Each lot could be upgraded with facilities to expand on the things people want:
* Additional floors/rooms.
* Plot size.
* Workshop: Not just the FC one, but a workshop to help you with crafter stuff like the 2.0 tables but a facility.
* Greenhouse: Which can be expanded and help with gardening instead of the paltry options we have now.
* Stable: Actual stables where you can see your favorite mounts run around. This would not limit you to summon them in the field.