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If I understand this correctly you just want places to fill up space without having to build them yourself? If so you can drop in homes from the bin, or download and drop some in. It takes a bit of time but it's the easiest way I know.
If you're looking for a subdivision look where all the houses look similar, you can try this:
http://modthesims.info/d/536440
http://modthesims.info/download.php?t=537429
Here's some other links for homes for your sims. Generally I find that if I download a bunch of lots by the same creator, often at least some of them look similar enough to be a subdivision.
http://www.parsimonious.org/houses3...ster_house.html - there's a bunch of houses in various styles here, just click through the navigation icons at the top to see different types, or the numbers to see different homes within that type
http://modthesims.info/browse.php?f=148&gs=2 - residential downloads page here at MTS