Final answer:
The Pueblo civilization, which included the groups Mogollon, Hohokam, and Anasazi, lived in permanent apartment-like stone and mud buildings that also featured complex cliff dwellings.
Step-by-step explanation:
The early American civilization that lived in permanent settlements made up of apartment-like complexes of stone and mud is b.) the Pueblo.
In the southwestern parts of what is now the United States, there were several groups known collectively as the Pueblo. They were named by the Spanish, who observed their permanent residences. The main groups of the Pueblo people were the Mogollon, Hohokam, and Anasazi. Their living structures were akin to modern apartment houses, built with stone-and-mud and had multiple stories and rooms.
Notably, the Anasazi, a part of the Ancient Puebloans, built impressive multi-storied buildings as well as cliff dwellings that have survived to this day and can be found in the Four Corners region, comprising parts of Colorado, Utah, Arizona, and New Mexico. The Anasazi were also known for their kivas, ceremonial centers that were crucial to their community.