If your FC house isn't owned by a member of your FC or anyone on your server, then maybe you need a GM to help you out with that. Not even sure how that can happen, unless there are some interesting exploits I'm not aware of.
Outside of this I think my point still stands. 1 personal home, and one fc home ownership. It could be modified with an additional restriction of one FC ownership per account, for those extra creative players.
Its not the result because most wards are owned by a few players with no interest in actually doing anything with the home other than reselling it, or inactive players.
https://www.youtube.com/watch?v=6oPC4D-rHqg
I've linked this in other housing threads before, but I think its a good example of what can be done in wards when people who actually care about having a home and decorating it, have said homes. As apposed to people who only hold on to them for "other reasons".