Give A Web Page to Users of Virtual Domains

I want to give users of my virtual domains a web site.

I created a test user in the “homes” directory of a virtual domain. I also created a “public_html” folder and added an index file therein. Thus, the path to that user’s default web page is physically:

/home/virtualdomainname/homes/username/public_html/index.php

I edited httpd.conf thusly:

<IfModule mod_userdir.c>
UserDir public_html
</IfModule>

Using webmin, I "Apply Changes" and "Stop Apache" and "Start Apache".

Then, I pointed a browser at
http://virtualdomain.com/~username

I got a 404 error.

I believe that Apache is simply not looking for the user’s public_html folder where I want it to be, which is in the user’s ftp accessible folder structure.

It could also be a permissions problem, or a configuration problem, or something else.

What am I doing wrong?

Thanks for your time!