The short answer
Musty air does not always mean one equipment failure. It often points to humidity, stagnant air, damp materials, drains, crawlspaces, basements, or systems that sat unused.
A musty smell after opening a lake home or seasonal property usually means moisture, air movement, drainage, or building conditions changed while the home was closed.

Start with the clearest answer, then read deeper only when it matches what the home is doing.
Musty air does not always mean one equipment failure. It often points to humidity, stagnant air, damp materials, drains, crawlspaces, basements, or systems that sat unused.
The same symptom can come from more than one relationship, so compare what you notice with the possible mechanisms.
Seasonal homes go through long closed periods. Air sits still, humidity changes, drains can dry out, basements stay cool, and HVAC equipment may not run enough to manage moisture. The first step is to identify where the smell is strongest and what else changed when the home reopened.
Moisture can come from groundwater, condensation, crawlspaces, lake humidity, plumbing traps, wet materials, or poor ventilation. HVAC systems can move odors around, but they may not be the source. A musty smell near a basement, crawlspace, mechanical room, or drain means different things than a smell only when the blower runs.
Separate useful observations from assumptions so you know what to mention and what still needs testing.
Notice whether the smell is strongest near drains, basements, closets, crawlspaces, air vents, or the mechanical room. Also note whether it changes after windows open, the AC runs, or dehumidification begins.
A scented candle, filter change, or air freshener does not solve moisture. The source matters more than the smell itself.
Lake and seasonal homes may stay closed for long stretches, then take on humid outdoor air when reopened. Basements, crawlspaces, stored fabrics, and limited air movement can all hold odor.
Move to another question when the pattern is not quite the same.
Why repeated resets are a warning pattern, not a fix.
How to describe pump, tank, filter, and fixture patterns.
What to notice after rain, thaw, and groundwater changes.
Why cold weather can expose propane heating problems.
Why comfort is not just the thermostat setting.
Crawlspace moisture can move odor and humidity into rooms above through openings and ductwork.
Service becomes relevant when the smell persists, humidity stays high, the AC or dehumidifier cannot keep up, water is visible, drains smell, or the home is being opened for guests.
Musty lake-home air is a building and moisture clue. Find the strongest location and pattern before assuming the HVAC system is the only cause.