Flat has been in common use here since before I was born, and I'm retired. Chicago, where I live, has dwellings that are commonly referred to as two-flats, three-flats, etc., up to six-flats. (Something larger would probably be called an apartment building.)
NA, I think that may be regional. From Wikipedia "In cities such as Buffalo, Detroit and Chicago the term Two-flat is used and defines it as a 'residential building that contains 2 dwelling units located on a single lot'." A quick Google search turned up mostly chicago hits.
Certain, around here, I've never run into a flat. A building with two units is a "duplex." There are also triplexes and fourplexes or quadplexes. (It's my understanding that in New York, a duplex is an apartment that has two floors.) A duplex is usually one story with the units side-by-side. A fourplex usually has two on the first floor and two on the second floor.
Those are usually purpose-built, rather than older buildings chopped up. I once lived in a big 19th C. house that had been converted to three units. That house wasn't a triplex, nor was it an apartment building; it was just an old house that had been converted to apartments.
"Frock" seems to be a returnee. I've run into it in fiction, etiquette books, and old magazines from about the 1920s up to the 1950s or so.
