It could be a female brown widow spider. Not recluse. Widow. The female brown widow spider is a close relative of the female black widow spider and is just as poisinous. Spray it with some sort of highly toxic chemical and smash it with something that completely shields or separates the spider from your hand, such as a mallet or a knife block or a sturdy shoe or boot
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A brown spider with a black cross on its belly may be a common house or garden spider. It may also be one of the many varieties of orb weavers.