Entropia Universe has a well developed crafting system and they also have houses, appartments, stores, etc all player run. You can make any houses or anything yet but maybe someday. it's pretty expensive, though, so I'd only recommend it if you have…
Entropia Universe is a terrific (and very different) MMORPG, you might find it's for you. It's got hunting, mining, crafting, stores, apartments, dueling... all sorts of stuff. Check it out at www.entropiauniverse.com