All molds need water to grow. Mold can grow almost anywhere there is water damage, high humidity, or dampness. Most often molds are confined to areas near the source of water. Many molds are black in appearance but are not Stachybotrys. For example, the black mold commonly found between bathroom tiles is not Stachybotrys.
Some related symptoms are more general - such as inability to concentrate and fatigue.
Usually, symptoms disappear after the contamination is removed. There has been some evidence linking Stachybotrys with pulmonary hemosiderosis in infants who are generally less than six months old. Pulmonary hemosiderosis is an uncommon condition that results from bleeding in the lungs. In studied cases of pulmonary hemosiderosis, the exposure to Stachybotrys came from highly contaminated dwellings, where the infants were continually exposed over a long period of time. There is no simple and cheap way to sample the air in your home to find out what types of mold are present and whether they are airborne.