What Game Has theese features?

-Online
-PvP system
- Player housing that you can create Houses ect, and keep them
- Online
- Free
- Good Graphics
- NOT MINECRAFT OR RUNESCAPE
- Fun gameplay
- Level system and skill system
- Mounts
- Again creating houses by cutting down stuff or getting resources or anything like that
- Starting a kingdom/clan
- other fun things

The new Elder Scrolls Online game fits every single description except for free of course. I'm pretty sure you have to pay monthy because it is a MMORPG but I'm a huge Elder Scrolls fan and I think it's well worth it.

Hope this helps.

Look into Star Citizen (Early alpha, should be out around 2016:/), and Planet Explorers even though in alpha also it is really established.