I see you mentioned Canadian Tire - are you in Canada? If so, Mountain Equipment Coop might have something you could use.
This one is currently on sale:
http://www.mec.ca/product/5027-245/m...10+50002+50208
This one is not on sale, but has rack and fender eyelets:
http://www.mec.ca/product/5031-880/m...icycle-unisex/
e.t.a.: you are unlikely to find a new road bike for $400. If the cyclocross bike was the one you liked best, buy it. It's less than $100 more, not much when you spread it out over several years of ownership.