Answer to the question: I would like descriptions of a Yellow-billed Loons first winter plumage through the 4th or 5th year.
Yellow-billed Loons undergo a slow transition from their scaly juvenile plumage to the striking black-and-white adult appearance, typically reaching full maturity by their third or fourth year.
First Winter (Juvenile / First Basic)
Appearance: Primarily pale gray-brown on the upperparts with an off-white underside.
Key Identification: The back feathers have rounded, whitish-gray tips that create a distinct scalloped or scaly pattern.
Head/Bill: The face and throat are whitish with a diffuse eyering and a dark patch near the ear. The bill is pale with darker areas at the base, and the eyes are typically dark brown rather than the adult's deep red.
Second Winter (Second Basic)
Appearance: Very similar to the definitive adult winter plumage.
Key Identification: The "scaly" juvenile look is gone. Back feathers are more squared and dark gray-brown.
Distinction: Unlike older adults, second-winter birds often lack white spots on their wing coverts, or the spots are small and diffuse.
Third Winter to Maturity (Definitive Basic)
Appearance: This is the "definitive" winter plumage of a mature adult.
Key Identification: The upperwing coverts are glossy blackish with distinct white circular spots, which is the primary indicator of a mature bird in winter.
Head/Bill: The face is pale with a prominent dark auricular (ear) spot, and the eyes are dark red. The heavy, ivory-yellow bill is fully developed and often held at a slightly upward tilt.
Timeline of Breeding Plumage (Alternate)
Yellow-billed Loons do not typically return to their breeding grounds until they are 2 to 4 years old.
First Summer: Usually remain on the wintering grounds in a plumage similar to their first winter but more worn.
Second Summer: May show a "mottled" appearance on the head and back, with some black feathers and small white spots mixed with gray.
Third/Fourth Summer: Most acquire the definitive breeding plumage: a black head with a purple/green gloss, a checkered black-and-white back, and a bright yellow "dagger-like" bill.
I have wondered the same thing as you about whether it could be the same loon. There have been numerous sightings of these this winter from here up the Canadian coastline.
On October 15th of last year I found three Yellow-billed Loons in Whatcom County waters at Point Roberts Reef including one in breeding plumage.
-Eric