Not sure if this is possible but has anyone brought up this idea?

Add instanced housing to the current district.
Each owner of a house will see their house only on the plot they buy, but an option to see random houses pop up on their plot and all plots over time or each time the player loads into a zone.

Have all plots randomly show different player houses over time or when loading into zone.

Plots are instances, where entering your house plot (inside the fence perimeter) area takes you to your instanced house, but you can still see the housing district and the other houses around your house.

This way the housing divisions will still feel like a community and everyone can get a house wherever they choose to build one.