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There's only one way to find out, open it up and take a look and a sniff. If you search the Hotline, you'll find at least one recent discussion about the subject.
I am assuming the whole husk is intact, not the coconuts that have had the husk taken off on the top. I have heard different things - from a year (I am doubtful of that) to four months. The key is that they stay in a cool place. I agree with ChefOno, the only way to know is opening up and taking a sniff. You will know immediately if it is moldy.