Hi Healthgirl

Here's a couple of links to sites with info on mold:

http://www.building.govt.nz/ws-mould-info-sheet

http://earthquakeservices.co.nz/docs/blackmold.pdf

They are both related to NZ as toxic mold became a big problem in houses damaged by the major earthquakes in the city of Christchurch 5 years ago. It is however the same types of mold that can be found in other countries.
From what you've said it doesn't sound like your house has a mold problem unless maybe it's hidden in wall cavities, attic or basement.