Which sentence is the most natural?
- I visited Tom and Mary's school.
- I visited Tom's and Mary's school.
- I visited the school of Tom and Mary.
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Without further context, I consider that Tom & Mary are the students.
if the two persons belong to the same school, I think the natural way is
I visited Tom and Mary's school
If both are in different schools, it can be
I visited Tom's and Mary's schools (note the plural)
The same thing can be applied to the third instance.