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@futurebird Both of your options in your example look identical to me.
At the moment I'm in a house which is on unincorporated land, so it uses the name of the city where the post office that delivers here is located. (also coincidentally the county name)
My business address is in a town that shares a zip code with a neighboring town. This used to be a problem for distribution of sales tax receipts (which relied on zip codes), but I assume they have improved things in recent years.
Except... the address format you just proposed is not the one that the US Postal Service mandates. When I recently spent a few years temporarily living in a condo, the USPS insisted that the correct format for my address was
### Street Name Unit ####
all on one line, no comma.
They delivered mail that used other formats. Mostly. I think? I had the impression that they were grumpy about it, and can't really know whether some items went astray.
I think USPS acceptance is needed.