Thanks to everyone for your responses. I can’t provide much more information on the description than was shown in the pictures, although the snake did not appear to be black. (I’d make a poor witness to an accident scene).
I guess we’ll never really know what it was, but I appreciate the web-links provided and have checked them all. I did forget to mention that we live next to a lot that backs onto a pond – so we are close to water.
I personally thought it might be a Florida Banded Watersnake, as shown below – but now I’m not so sure as the head looks wrong, as does the underbelly. The head looked more like the Cottonmouth – but who knows?
Maybe I’ll invest in a better camera for my next encounter.
