I found mine on Autotrader. It seemed most of what appeared to be great deals on Craig's List were all scams. Someone deployong to Afganistan and has to see, but the vehicle is on the west coast even though it's being advertised on the east coast! But hey, they're willing to ship it to you after you send them the money! Yea, it's amazing the number of these ads that appear daily...
Not saying they aren't on AutoTrade either, but it sure seemed the majority of the ads on AutoTrader were legit. We found a clean 2004 TJ X for about $6K under retail! The other nice aspect of AutoTrader is you can apply filters to the search and limit the search to specific years, if you're only interested in manual transmission, 6 cyl engine, 2 door, under XX,000 miles, etc... Saves having to look through tons of listings with vehicles you're not really interested in.
I to was looking at dealerships thinking they would give it a good looking over and fix stuff that was in need of fixin, but the premium they want you to pay for that far out prices what it will take to do it your self or pay an independent mechanic.
After I purchased mine, I spent $100 and had it professionally detailed (looked just like it would have if it were siting on a Dealer's lot). I also had to replace the Heater Block Resistor because the fan only worked on the 2 highest settings, but that was a $20 part at AutoZone. I've not had to do anything else to it since and I'm very happy with the Jeep!