enloĝanto

Take it apart and it says exactly what it means. En is in, loĝi at rank 402 is to dwell, -ant- makes the one who is doing it, and -o makes that a noun. An enloĝanto is a currently-dwelling-in person. Four pieces, no dictionary needed, and the participial nominals article covers the middle two in full.

The tense is not decoration. -ant- is the present participle, so an enloĝanto lives there now. Enloĝinto is a former resident and enloĝonto is somebody about to move in. English needs a clause for both of those. This is the single best argument for learning the participle table properly: it turns three English phrases into two extra letters.

Write the hat. Loĝi needs its ĝ. Hatless logi is a real and quite different word, logi, to lure or entice, so enlogi would be to lure somebody in and enloganto would be the one doing the luring. In the x-system you write enlogxanto and everybody reads it correctly; what you must not do is drop the letter altogether.

And it is not a civitano. A citizen is a legal status you hold whether or not you are at home; an enloĝanto is simply whoever is living there. A city counts its enloĝantoj; a state counts its civitanoj. The plain loĝanto without the en- means the same thing and is commoner in speech, but the corpus prefers the fuller form and so does officialdom.