After some digging around, I think I may have a solid answer. I believe it is Bufo americanus charlesmithi, Dwarf American Toad. Perfect description- Usually reddish in colour, next to no prominent bumps or spotting, and the typical cream belly with possible spots in the upper chest area. And their range overlaps to right about where I am! Mystery possibly solved? It's just a slight bigger than the typical length, maybe it's a hybrid?