like Genesisi says, see a dermatologist. They are best to diagnose you to see if you have any warts or not.
Also, to be 100% sure, they may do a biopsy where they will send the skin tag to a pathologist who can confirm whether you have a wart or not.
Dont be scared or embarrassed, your health is more important than that.
I would consult your doctor to ensure that you are getting this looked at. It may be nothing, but best to be on the safe side.
Failing that, a dermatologist could also help.
Regards