@richardshagrin
I'll try again. If you arrive at a geographical location, likely a city but other locations may qualify, while you are alive and stay there for a reasonable period, (days, weeks, months, perhaps years) long enough to get to know some, most or almost all of the people who live there and understand how to obtain the necessities of life at that location, then you have lived there.
For me, it also has to incorporate "when" into the mix.
Maybe it is because I am old, but I realize that many places I lived in for a great many years I simply could not really write about today. Things have changed so much, that is just not possible.
I have written about some of this in my own stories here. Watching the last of the farms in the San Fernando Valley vanish, as well as in other areas of LA. I grew up in Boise, but I barely recognize the city today because it has grown so big. Even the cabin my mom lived for her last decade in rural Central Idaho now has high speed Internet and satellite TV (when originally it got only 2 fuzzy channels over the air).
Otherwise, an author would throw in a lot of things that would break the realism for anybody familiar with the area. Mention something which no longer exists, or forget about something that does not exist yet. As well as not mention something that everybody knows, but was built after you left.
I even research things as I write, especially if it is a "period piece". For Country Boy, I was constantly looking things up, to see when they were built or torn down. I did not want to throw in visiting a place that was not built yet, or even worse a place that had already been torn down.
Thankfully, my other major series I am returning to when I finish it I purposefully set up in a fictional location. So I can put in whatever in the hell I want. I simply set it up in a big city, and was rather vague other than the Mafia has a presence and it has a seaport. Which set it in an imaginary arc from Chicago to the Coast, then down to around Baltimore. But literally it could be anywhere in that arc. Chicago, Boston, New York, Baltimore, anywhere. All match my vague descriptions.
And yes, I am following comic tropes there. I could do like Marvel and set it in a real city, but I do not know enough about the area to do so. Therefore, like DC I created a city, so it can be whatever in the hell I want. Right on the coast? Inland but still with a port like Philadelphia? Could be either, or neither.