Intersex conditions can either be physical or genetic, its not mutually exclusive to one or the other. Since many IS conditions are known to be caused by environmental factors be it toxins or prescription medication, to put a mutually exclusive angle on the genetic conditions is a bit disingenuous and has been ruled out largely because many people who had surgery as an infant had none of the known genetic conditions. Karyotype testing is not the only determinant of intersex conditions, but the physical ones are usually pretty easy to tell because they show up as scars, atypical genitals, or by doing an internal scan.
It could be a late puberty, its not unusual as it was stated here. I had an incomplete puberty...but then again I know I have a physical intersex condition.
You really do not want one though. I don't know but I had a high arched palate, an odd hormonal response that resulted in low muscle mass and a ton of other stuff, learning disabilities, and that is just the beginning.