Not sure what swap meet you are going to but I don't see any deals there on complete bikes. Not at Orange Coast College anyway. Those folks are looking for a profit.
Mostly low end bikes that are overpriced and a few nicer overpriced bikes and most of them need some work. I go there for the $4 plastic pedals and got some Dura Ace brakes once for $25.
The HB bike shop has been around for a good while. The good part is you might go there and have a choice of bikes but IMO if you have the time to troll CL you will find a better deal since he is also trying to make a profit and not just empty out his garage.
I understand trying to find a quality bike in ready to ride condition that is small enough for you. When I sell 48-52cm bikes they go quickly and the seller usually says, "I have been looking for a nice bike in my size for a while now". Be patient and you will find one.