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Spinus tristis
reeds,
according to the map in this link,this goldfinch seems to be a nonbreeding resident.
http://sdakotabirds.com/species/american...
http://birding.about.com/od/Identify-Bir...
great link for identifying winter plumage. Does explain the tan coloration.
thanks J, My first thought though was a warbler due to the chestnut color and bill.
updated.