When switching from cooling to heating in the fall we get about 2-3 days of musty air and then it's fine all winter. It's like wet sock/sneaker smell.
Yesterday, the A/C kicked on because our house hit 80°F. At night the furnace was switched to heating mode and the musty smell lasted a few hours.
One important thing to note is that the musty air is humid.
I checked my ductwork (trunk and branches) and see no mold and they're not smelly. Cooling mode never produces a smell. The furnace is in an unfinished basement and we have a dehumidifier that keeps things at 50% or less. The filter is not musty and is replaced 3-4 times per year.
We've even had a few consecutive warm winter days where the furnace didn't turn on and once it did there was no smell.
The unit is not short-cycling. Heating/cooling cycles always last 15 minutes or more because the ECM starts slow and ramps up as needed.
What could be the source?
Equipment list:
- 97% Goodman ECM variable-speed 60k btu furnace: GMVM970603BN
- 2-ton 2-stage Goodman outdoor condenser: GSXC180241
- 3-ton Goodman evaporator coil: CAPF3636B6 with TX2N4
- AHRI #201506361
- UV light above the evaporator coil: Honeywell UV2400U5000
- Brand new ductwork
- 4" MERV 11 filter installed on return duct
- All installed January 2021
I don't have a picture of my personal setup but this image is almost identical to what I have:

