Bird Sighting in Winthrop: ID help?

Thanks to Sarah Knudsen for sending in the following observation.  My guess would be female Belted Kingfisher.  Can anyone else help?  Thanks!

Downtown Winthrop - Sitting on the deck at the Duck for dinner yesterday, we saw a large woodpecker-shaped bird, flying back and forth from the canal area to the river, I assume.  It had a white-banded neck, red breast and dark-colored back and wings.  The only bird fitting that description that I can find is the Ringed Kingfisher, which we shouldn't have around here.  Any thoughts?

Thanks,
Sarah