ATV's, according to my Insurance guy, depreciate about 50% when they roll off the showroom floor.

My Yamaha's don't have an hour meter so I don't know much about that. I think a better idea is to look at the owner and try to figure out how it has been treated. Adult owned/ridden makes a difference. Like a lot of other things, most abuse seems to come from those who aren't making the payments and are under 25 YOA.