She is either bay or brown. She is not black, blacks are born greyish/blueish/blackish. They aren't born bay and with that red tint.
Her winter coat will be easier to distinguish between brown or bay.
And I think your correct about her being roan...
And most bays have black muzzles, black tipped ears, and black around their eyes, just for your information. So its completely possible for her to be bay. If she is brown, her mmuzzle/around her eyes/flanks will be a caramel color brown, very distinguishable.
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