There are plenty of boats in the northeast that fit your description.
I don't think you need to focus on a charter boat. I agree, there is nothing wrong with purchasing
a former charter boat as has been mentioned they are usually well maintained plus you will likely get a newer model boat -- but then its not how many years old it is, it's how many miles and sleeping days it has and how its been used.
Another consideration with a charter boat is your price
point -- you will want to be there for the survey plus I think you would want your own surveyor
that you know and trust--think of airfare and hotels and add that to the cost of the boat.
Then if there is something wrong with the boat you are out not only the survey cost and haul out
but airfare too. Are you willing to do this a time or two? Again cuts into your boat fund and at the price point you are looking at can rapidly cut into a good percentage of what's available.
There are plenty of boats in the northeast for sale
right now in the range you are looking for. We recently bought a boat. Researched options and models of boats for over a year. Had a great broker who was committed to helping us find the right boat. I spent a lot of time on Yachtworld and other sites and a lot of time talking to dozens of people who owned boats.
In the end, when we bought the boat, we had a few things we had to correct on the boat before the took acceptance and it was nice to have it within a couple hours drive so we could inspect and get the boat ready. (Even this got old after a few weeks).
Others can comment on whether you should look at one of the "big three" production boats builders - Beneteau, Catalina
or whether you should look at other types of boats available. But if you take your time, boat shopping
can actually be a lot of fun -- after we bought our boat I was in withdrawal not feeling compelled to search the web for my perfect boat. But then now I am already searching for the "next boat."
Good luck in your search. Oh, and if you are in the RI area I can recommend a good broker.