The very few private sale ones I have found were either very high miles or also pretty pricey. Your price check is pretty close (if dealers dealt in reality) - but it's easy to find a very average '06 for $18K, which is insane, IMO. Many of these high-priced ones have sat for months at dealerships, so turnover of inventory must not matter much to dealers. You would think that after 3 mo, the dealers would be ready to deal. Anyway - thanks!
Colo Springs, CO
'78 FJ40, '89 FJ62, '98 4Runner