Why mold shows up in occupied Golden Gate homes
Naples-area summers are long and wet. NOAA's 1991–2020 normals for Naples Municipal Airport put about 66% of the year's 49.55 inches of rain in June through September. By our own calculation from NOAA hourly observations (2015–2024), the dew point stayed at or above 70°F in 93–99% of hours during those months.
In a lived-in home, that humidity tends to show up in a few places: around the air handler and drain pan, on supply vents and in ducts, under sinks, behind washing machines, and on ceilings below a roof leak. Golden Gate also took wind gusts of 88–89 mph during Hurricane Irma in 2017 (NWS Miami), and storm-damaged roofs can let water in long after the storm.
If the musty smell seems to come from the vents, start with our AC and HVAC mold page. If you can see growth on drywall or ceilings, the mold removal page explains what remediation crews typically do.