I would just like to point out that the city field doesn’t necessarily prove anything because many unincorporated areas have a listed a city but may not be subject to the laws or taxes of a municipality. So having the correct city isn’t as useful as one thinks it is.
I live in a zip code that spans two cities and I live in the unincorporated area between them, but with one of the cities in my preferred address. So at least two of the exceptions listed in this thread apply.
I used to live in just such a place. Went to the city center to apply for a library card, thinking "of course I can get a card here, I live in Foo City and this is the Foo City Public Library." I was asked for my street address, and she pulled out a binder of street names to check (yes it was analog, in the year 2016 A.D.). I was not within the city limits and was denied a card.