Not to be contrarian, but average
asking price for an average equipped SE model, is $7340.
http://www.canadianblackbook.com/bla...Utility%204WD/
Unless there is a gold bar in the trunk, it is worth $9995 MAX on a dealers lot if it is perfect. To be worth 12k, it would have to be factory fresh with under 50 kms and a cash buyer ta boot. No banks will finance a 2005's anymore unless it is on a line of credit (this hits the value huge), and it is a couple months from being 10 model years old, so you can't even warranty it anymore. If it has 120k+ it is worth $4-6000. Don't bury yourself in it.
Not nitpicking, just giving you advice from someone who is around this stuff all day. 10 year old RAV4's go for under 10k, even 2005 BMW X3's can be had for under 10k.