There are randomly generated houses in 1.8 that are part of NPC (Non-player character) Villages. These will contain NPC Villages once 1.9 Beta is released. 1.9 has currently got a pre-release available for download, so NPC villagers appear in that.
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Every map has them, as they are randomly generated.
Towns, like all other terrain in Minecraft, are randomly generated when a world is first created, or as you move beyond the edges of the original map causing more terrain to be generated. As towns are created randomly, the only way to find one is to explore. As a general rule of thumb, towns seem to be generated in areas that are flatter, such as the plains and desert biomes.
A CTF map cannot be randomly generated, therefore you cannot have a seed that generates one. You will need a save file from the forums or another minecraft related site.
You can't craft saddles. They can only be found randomly in dungeon chests, luckily being one of the most common items found generated in a dungeon chest.
villages can be generated anywhere in a minecraft seed.