I use the URL http: //localhost/htdocs/index.htm to try to access my test page as I put it in the htdocs directory.
The URI for the htdocs directory is "http://localhost/". Thus, a file "index.htm" in this directory, you can access with "http://localhost/index.htm". Or, if this is the only "index.*" file in this directory, just with "http://localhost/".