It looks like that EBAY sale is the same person trying to sell it on the TUG marketplace. On TUG they have it listed as $5180 as a FIRM price, which is the "buy now" price on EBAY.
Just doing some math - if you could get that Canterbury points for the bid price of $3450 - that's $13.32 per 1,000. AND that's not including the $299 transfer fee + $250 LT closing fee which would put your closing price of close to $4,000. Maintenance fees per year on Canterbury for this unit appear to be $1080.03 ($90/Mo) - or $4.17 per 1,000 pts.
There's another sale on EBAY for 259,000 Wyndham points (just for "apples to apples" comparison on the same exact amount of points) that has a starting bid price of $299 and all fees are paid by the seller. Let's say this sells for $1,000 (which is probably very likely to be that or under). The maintenance fees on that one are $1392 ($116/Mo) - or $5.37 per 1,000 points.
The purchase price difference in this scenario is $3,000. How long would it take you to break even on that $3,000?
Based on my calculation (based on 5% increase per year for MF for both properties), it would take about 8 years on MF's to make up that $3000.
YR Canterbury Oceanside Pier Yearly Difference Cumulative difference
1 $ 1,080.03 $ 1,392.00 $ 311.97 $ 311.97
2 $ 1,134.03 $ 1,461.60 $ 327.57 $ 639.54
3 $ 1,190.73 $ 1,534.68 $ 343.95 $ 983.49
4 $ 1,250.27 $ 1,611.41 $ 361.14 $ 1,344.63
5 $ 1,312.78 $ 1,691.98 $ 379.20 $ 1,723.83
6 $ 1,378.42 $ 1,776.58 $ 398.16 $ 2,121.99
7 $ 1,447.34 $ 1,865.41 $ 418.07 $ 2,540.06
8 $ 1,519.71 $ 1,958.68 $ 438.97 $ 2,979.04
If you paid the "buy it now" price your total would be $5729 (adding in closing costs) and that would take over 13 years to recover that amount.
Like someone said above, if you hold this for a long period of time it may be worth it for you. But there's no guarantee that Canterbury will continue to have the lowers MF's for the future. They could grow in MF's higher than any other resort for a few years in a row.