That sounds like a common garden spider. They are a low-venom spider, usually shy and spin an orbital (round) web, the kind that are often photographed with dew on them. They live until first frost and are generally thought to be beneficial.
I'm in NC and found bunch of Spiders on porch - black/yellow banded legs and 2 white dots on belly - found it's a Hentz's orbweaver
http://kenfuller.exactpages.com/hentzs-orb0.html
There is no single answer to your question. Too many brown spiders have four spots.
It sounds like a brown recluse
It is called a jumping spider----
A black spotted yellow spider that just ate a gumball.
A spider with a white body and red spots on its back may be an orb weaver. These come in many different color variations and are found throughout much of the world, including the UK.
The Zebra spider, Salticus scenicus, is known as such because of its black and white striped body. It is a common jumping spider.
One possibility is the common jumping spider, which has a black body and white rings around its legs. Its scientific name is phidippus audax.
I think I may have seen a similar spider today. The "butt" of the spider was quite large, burnt orange color with white spots on the top. I have never seen the spider before but I think I found a picture of it online. I haven't found the name of it yet. I'll let you know when I find out what it was. I may have found the spider you saw. The one I saw is called a shamrock orb weaver. Check out the pic on spiderzrule.com under the link Common US Spiders on the home page.
A black spotted yellow spider that just ate a gumball.
There are many different kinds of spiders that are brown with white spots. To properly identify them, it helps to determine if the spots are in any particular pattern, the overall body shape of the spider, and where it is living. Such a spider may be a sic-spotted fishing spider, a bold jumping spider, or an orb-weaving garden spider.
A spider with a white body and red spots on its back may be an orb weaver. These come in many different color variations and are found throughout much of the world, including the UK.
My son just killed on just like that with Orange fangs and a hour glass on its body so everyone who answered stupid its true and out there
Could that be an immature black widow male?
could be a spider wasp
The Orb-weaver spider is a fairly large garden spider found abundantly in Oklahoma. They can be identified by their black, white and yellow body and legs as well as the spiral or zipper-like arrangement of prey-catching threads in their webs.
The Zebra spider, Salticus scenicus, is known as such because of its black and white striped body. It is a common jumping spider.
black widow No this isn't a black widow...their red or orange markings are on the spiders belly since Black widows hang under their webs. The best guess is a jumping spider if the markings are visible when the spider is walking around. The Australian Redback Widow is the exception to the rule, it's markings as it's name implies on on the back.
One possibility is the common jumping spider, which has a black body and white rings around its legs. Its scientific name is phidippus audax.
Argiope aurantia Lucas - yellow garden spider
If you have white spots on your body, maybe you should see a doctor.