Seems like a great deal, but check the boat over and ask for service records. Make sure the oil was changed every 100 hours, I recommend every season or 100 hours since the engine will sit over the winter. Also, I would see if the owner will let you pull the plug and drain the lower unit oil, check the color, it should be amber, or slightly darker. If it has water or is black it has not been changed when it should have been. That also should be every 100 hours or every fall(changing it in the spring can let potential water freeze if the lower unit was leaking and can hurt the lower unit). If the engine seems to have very good records that is a good sign. Usually owner's of newer boats who take care of their engines properly also take care of their boats, but not always. Being it is a 2004, most things should check out, but still do a visual inspection of the bilge, check the pumps and hoses and make sure all the electricals onboard work. It is your call on using a marine surveyor, the boat is fairly new, but they can check to make sure there is nothing you are missing and some will find out more info about the boat. Usually using a marine surveyor on newer boats helps the buyer with leverage in lowering a price or getting things fixed, but being that the price is great already that will not really help you. Since you might be skeptical, it might not be a bad investment to have the boat checked to calm your nerves and know what you are getting into. On paper it seems like a very good deal, we got a similar deal on our 1989 22' Seafarer when we bought it in 1991. It was the persoanl boat of the owner of a Grady White Dealer and was lift kept with low hours. He just needed to mvoe the boat since he had a new one coming and we got a great deal like you are being offered. Hopefully it works out well for you!!