Looking around I see deals: found a 2007 in NW Houston with 8K miles for $3800. It's about a 2 hour drive from my place.
Making progress! That's average mileage, I'd say again a decent price (although not a steal). But if it's a private party you have negotiating power on your side.
Unless you're headed that way anyways, before driving several hours try to get as much info and some good pics beforehand - a bummer to drive out and find incompatibilities you can't live with.
Ask the seller why they're selling, it will give you an idea of how to approach negotating a price - they don't have time to ride, they're upgrading to a diff bike, they took a spill and are scared to get back on, spouse lost their job, new baby on the way, etc.
Make sure you check for any frame damage, plastic damage, any defects before you buy - if you don't know what to look for, try to take someone along that you trust and knows what they're looking at. If there are defects but you're willing to live with them (like cosmetics), use it as negotiating leverage.
Have you researched insurance costs? If you're getting a loan you'll likely have to carry full coverage insurance, which could be expensive depending on your driving record. On a good note, it's not a liter bike, and you're not an 18 y/o male anymore.
My recommendation is pick a walk-away price that you make a commitment (to yourself, or better yet with your spouse, if you have one) not to exceed on this deal - otherwise you're much more likely to get talked up several hundred dollars on the spot just to secure the deal, especially after driving and getting emotionally attached. That could easily make or break your "good deal".
Last but not least, $ isn't always everything in the negotiation - when I bought my fz6, the bottom price the seller would get down to was just above my "walk-away" price (like, $100-$200 above). However, I needed a helmet anyways so I mentioned it to him - he happened to have an Arai he threw in to make the deal happen. As an added bonus, on the bill of sale a chunk of the $ on the "package deal" we marked down as for the helmet, saving me on taxes when registering. <score>
