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Up in Canada I would keep rust from winter road salt in mind. Look under the car and around the wheel wells for corrosion problems. Look at and try to wiggle the suspension (front and back). Loose or deteriorated bushings will need to be replaced (no big deal but not cheap, esp. if you have it done at a dealer). Air conditioning systems are hard to check in the cold plus probably not important where you live. It shouldn't chatter when on.
In the engine compartment, how much oil is in the compartment? Cleaner is better. Maintenance records will probably be the most help. Should have had just one around 120000 km. 5 speed is a manual I believe. You should have about 1" play at the top. The engine should die when the clutch is about 1/2 way released, maybe sooner.
Flood damage might be noticed underneath the seats (look for rust) and at the end of the seat belts. Pull them all the way out and look for mold. Run a CarFax report for it.
If you're willing to work on it most everything can be fixed if the price is right.
Luck,
Kep
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Often, it's the loose screw between the steering wheel and the driver's seat that needs to be fixed first!
Stock 1995 Camry, 5SFE, Sedan.
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