+1 Really depends on year. Schwinn changed the build standard on this bike many, many, times. The early ones were really basic, the newer ones were really nice.

+1 I have yet to have found a seller that properly described a bike as to its condition. The value is all about condition. Rehabbing a bike can be expensive, unless you have all of the tools/time/and interest in doing the work yourself. On the other hand, if the bike has new cables, tires, tubes, has a pristine frame, and is ready to ride, $125 is a deal. And if the bike happens to be one from the late 1980s, its a great deal.