the questions contained in this thread are somewhat peculiar.
perhaps it's just total newbie/naivete, but one never knows in cyber space.
IF the unit is a 2005 it's approaching 7 years old.
of course it could be an 04 or 06, since "model year" doesn't exactly match production year.
the vin number OR the street side plate can confirm this.
a call to j/c with the vin can too.
'book values' are pretty useless for a/s...
there are 6-8 LINKED threads on the topic here...
they produce so few and the range is such,
that a "reasonable" selling price may vary 5-10,000$ depending on location, even 4 new.
add 2 that the fact that 05 units really VARY a lot.
1st half of the year the trailers were equipped differently than last half of the year.
there was also a 5-9% price increase (msrp) during the 05 model year.
a similar question here deals with that variation some...
and last year/this time some1else had pretty much the same question as the op here...
IF the seller/location/shop is flaky/skanky/fishy/crooked or seems very ON the sly...
SKIP IT, move on, find something else.
BUT most large $ items like this when NEW are generally 'owned by the finance company' or manufacturer...
so the former dealer/now service shop has always had "paper" on this unit.
the nature of that paper may have changed, but WHO CARES?
folks get wrapped up in convoluted stories while trying to buy...
stories that have NO bearing on the purchase or price.
sometimes this happens by accident but usually it's some1 TRYING to really really lowball...
the so called 'distress buy'.
condition of the TRAILER matters, not who's got the paper (except 4 private sales)
IF the unit has never been sold "retail" it hasn't been formally titled.
and the bank isn't gonna "give" you the title.
that's not how it works.
ever purchased a new car?
you pay (or finance) then fill out paper, register it, insure it and APPLY for a title.
which typically arrives 2 weeks or more AFTER the purchase...
the seller provides a sales contract, which is YOUR proof of purchase (ownership document)
but that's not a title.
if this is a florida resident, registering IN florida read here...
Florida DHSMV - FAQs on Getting a Hassle Free Title
it's entirely understandable that the SELLER might be miffed at the buyer wanting 2 go 2 the bank...
it's a sloppy approach and virtually unheard of when purchasing new (untitled-registered) vehicles RETAIL.
the legally operating BUSINESS/seller has to collect taxes (if they apply) complete a sales transaction and misc other bits of paper.
banks don't normally do that stuff, except is specific cases (like a repo or estate thing)
the 1st post sez nada had a "rather low value"...
we've got no idea what this means, nada (even if useless) has a DOLLAR amount.
is it a good deal or good value?
depends on whether u are buying, selling or hoping to TURN the unit and make money...
which is unlikely too happen (turning it 4 profit)
finally there is the issue of insurance.
what PRICE will insurance cost.
what dollar VALUE will insurance use.
what sort of coverage do u wanna PAY 4.
4 example, u pay 25K for the trailer, book is 25k but the insurance company only sees it at 18K...
that means IF it is stolen or destroyed, you will NOT get another new OR used 05 as replacement.
IF the ac/fridge/furnace and water heater have been idle for 7 years, that's an issue...
as are tires, hubs, brakes AND the axles.
water damage? are there leaks somewhere, combined with flo' humidity...
that's not good either.
what if ANYTHING has been in the fresh (drinking) water tank for 7 years?
there was a recall on some axles in late 04 and a fridge recall that spans 04-06...
and so on.
still lots of homework to do, don't think there is something too good to be true going on here...
IF it is too good to be true, well it's not true...right?