Sounds like it might be a fungal infection, or some kind of bacterial skin infection. You can get either without ever having sex, so it doesn't have to be the result of an STD.
Exactly what fungus or bacteria would be up to your doctor to determine. There are many that could cause something like this. You do need to see a doctor, though. Don't wait and let it get worse.
If they think it's an STD, make them test it. (And even if you say you have little to no risk, they may say it anyway. Some docs like to say that anything genitally is an STD.) If they say it's herpes, make them do a type-specific culture or PCR swab (the PCR swab is better, but not every place offers that). Don't let them visually diagnose an STD. That's wrong just about as often as it is right, and given your low risk level, I'd go with it being wrong.
So find a doctor or walk in clinic, and get checked today. Let us know what they say.
Why are you going to a urologist? This sounds like a skin issue to me. Like a rash. I'd think that a basic urgent care doctor could help you.
What's the update?
Please tell your mom to stop treating you at home and I agree that a regular doc at an urgent care is just fine. I don't think you need a specialist at this point.