You should be aware that although a substance may look like mold, a positive determination of whether it is mold or not can be made only by an expert and may require laboratory analysis for final confirmation. For about $50, some microbiology laboratories can tell you whether a sample sent to them on a clear strip of sticky household tape is mold or simply a substance that resembles it.
Deciding if central air is worth the cost depends on your needs and local housing market. If you live in a hotter climate, it can definitely be worth the price. Not only can it keep your home at a comfortable temperature, but air conditioning can even save lives during extreme heat waves. But in a milder zone without severe temperatures, window units, fans or the breeze from an open window could be adequate.
You might also want to check your home for thermal insulation if you live in extreme heat or freezing temperatures. Insulation keeps the heat and cool air in your home, which can lead to a lower electric bill. If the heated or cool air leaks out, your system turns on more often. There are various types of insulation that you can install in your home and a home energy auditor can point out the best places for it in your house.
In addition, the service provider may propose applying chemical biocides, designed to kill microbiological contaminants, to the inside of the duct work and to other system components. Some service providers may also suggest applying chemical treatments (sealants or other encapsulants) to encapsulate or cover the inside surfaces of the air ducts and equipment housings because they believe it will control mold growth or prevent the release of dirt particles or fibers from ducts. These practices have yet to be fully researched and you should be fully informed before deciding to permit the use of biocides or chemical treatments in your air ducts. They should only be applied, if at all, after the system has been properly cleaned of all visible dust or debris.
The original furnace was a coal fired “octopus” design which had no blower to circulate the air but relied upon warm air rising to distribute the heat. That also means that the system breathed air in from the basement and most of this type did not have a cold air return system. At some point (probably in the 1940’s) the system was upgraded to a forced air gas furnace. The upgrade included replacing the 12″ diameter air ducts exposed in the basement with 6″ ducts and a cold air return system of ducts from the two (only two) air returns on the first floor.
Central home air conditioner service systems consist of two major components: a condensing unit that sits outside your house, and the evaporator coil (often referred to as an A-coil) that sits in the plenum of your furnace or air handler. The refrigerant in the A-coil picks up the heat from your home and moves it to the outdoor condensing unit. The condensing unit fan blows outside air through the condensing coil to remove the heat. The condensing unit houses the three parts replaceable by a DIYer: the AC contactor, the start/run capacitor(s) and the condenser fan motor. The condensing unit also houses the compressor, but only a pro can replace that. The A-coil has no parts that can be serviced by a DIYer.