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The confusion is types of apartments...
Are you talking about a big skyscraper with a lobby?
Or where each building has 4-8 units?
But, "on the second floor" has zero to do with the number on an elevator.
The second floor of a building is the second floor of the building. Whether or not the floor below has apartments doesn't matter.
You're in the second floor a building, there's only one level below you.
It's just some people will mean "second floor of the building" and meant that very logical thing we just talked about.
And some people mean "second floor of apartments" and who the fuck knows how many floors it took to get apartments started. But those people in America almost always give the building floor instead, because that's a much higher number.
If you're paying for a view 10+ floors up, you're not telling people you got the cheapest available
The US counts floors from 1. Most of the world counts from 0. So the answer would depend on which country OP is in. And this is assuming the building has a flat base.