M.K.
It's possible you may have the HPV virus which can sometimes lead to the presence of genital warts. By age fifty 80% of women have the virus and from what I understand it can be dormant for years before warts occur (and often they never do). I have HPV and although I've never had warts, the description listed in your message is exactly what my doctor told me to be on the lookout for. Either way, your doctor will be able to tell you right away whether it's warts, a yeast issue, or other irritation. Good luck!