Do you live in Central or South Florida? That spider looks like a Red Widow. I've never seen the banding on the legs like that, but the abdominal patterns on red widows can be variable. I don't know for sure though.

I'm in NC. I've tried searching online for answers, and looks like this may be a black widow juvenile? Seems like others have posted pics on other sites and that was the standard answer that came back.

Could be a Northern Black Widow....
Here is a link depicting many of the different varieties of Widows.....

Here is a link that might be useful: Widows...