She sounds like my daughter was! She took her first steps at 14 months and although she babbled a lot, she didn't say many (if any) actual words. She was just very shy and reserved. She was also in daycare at the time and they told me that she would always play alone or just sit back and watch the other kids...she was just very quiet and observant. Soon after she began walking she started showing me that she understood simple sentences...such as "go get your coat...or pick out your shoes" etc. She is also a very cautious little person so I think that had a lot to do with her walking late. She was standing on her own at an early age but it was taking those steps that freaked her out. Now she is almost 2 and she speaks quite well and says lots of things that make sense to me
I think she just has my personality...she's very quiet/observed until she gets used to a person, then her outgoing personality comes out!
I think it's around 18 months you should be concerned if your child is not walking (at least I read) b/c it could mean something may be wrong with their back I think it was. If she is standing on her own and pulling herself up I wouldn't worry. She is probably just a little nervous and sounds very cautious