What is a duplex commonly defined as?

A duplex is commonly defined as an owner-occupied property designed to accommodate more than one family. This type of structure typically consists of two separate living units within a single building, allowing for shared walls but independent entrances, kitchens, and living spaces. The defining feature of a duplex is its dual occupancy, which makes it distinct from single-family properties or purely commercial buildings.

While options that describe single-family properties or multi-story residential buildings may share characteristics with a duplex, they do not capture the essence of its structure and purpose as well as the concept of being an owner-occupied property for multiple families does. Therefore, the focus on owner-occupancy and multi-family design makes this definition the most accurate representation of what a duplex is. This understanding is crucial for loan signing and real estate professionals when categorizing properties and advising clients on their options.