Minor repeated trauma (most common in toddlers). The big toe takes the most pressure from crawling, walking, kicking, tight socks or shoes, and rubbing on floors. Damage to the nail matrix causes white patches, transverse bands and brittle, splitting nails. Fitzpatrick's describes small white patches or transverse bands (leukonychia) as mainly seen in children, probably from repeated minor trauma. - Fitzpatrick's Dermatology, Chromonychia section
Beau lines (horizontal grooves). These are transverse furrows caused by a temporary pause in nail matrix function. The groove moves forward as the nail grows. Triggers include any febrile or systemic illness, hand-foot-and-mouth disease and other viral infections, a major injury, and drug reactions. - Andrews' Diseases of the Skin, Beau Lines
If your son had a fever or illness about 2 to 3 months ago, this fits. A toenail grows out slowly, so a groove can appear long after the illness.
Fungal infection (white superficial onychomycosis). This causes a chalky, white, crumbly surface. It is uncommon at 1.5 years, but it is possible. It is more likely if a family member has nail fungus or athlete's foot. Fitzpatrick's describes this white fungal surface change as "pseudoleukonychia." A
2025 review of pediatric dermatophyte onychomycosis notes it is generally uncommon in children.