Yes, the night side uses a combination of infra-red imagery with a static image of the Earth at night. Without that image all the landmass and cities would disappear into black, so it helps give the IR imagery context. And it looks nice. It’s a common technique called GeoColor.
High resolution will be older imagery. You won’t be able to see your house in near real time unless you pay to task a satellite from a commercial provider like Planet Labs.
I'm the developer of Zoom Earth. "Live" is shorthand for "near real-time". But, you're right. Most visitors simply want to see their house from space. Which is understandable, but also kinda depressing. They could look at _anywhere in the world in near realtime_, but they wanna see what their roof or garden looks like.
Some details: It combines near real-time images from multiple geostationary satellites, updated every 10 minutes (with a delay of ~30 minutes). NASA GOES satellite for the Americas, Japan's Himawari-8 for Asia and Meteosat in Europe/Africa. Zoomable up to 500m per pixel. Beyond that it uses historical imagery from Microsoft and Esri.