There is a chance that this is a hurricane boat - i.e.: has been through one or more severe storms and sustained some damage, hence it's price.
Apart from the 100K it will cost you (no I am not kidding) to get the boat into a state where you are going to feel comfortable about your family's safety on it, it would be a good idea to do some research regarding the cost of maintaining various kinds and sizes of boats.
While there are some who manage to do it more cheaply, I think that you'll find the average sailor spends 5K a year to maintain a 28 to 32 foot boat. This will cover your slip fees, insurance, storage, in and out charges, diesel, oil, filters, bulbs, bottom paint, sandpaper, and replacing one or two things that break.
I can't imagine that you would be able to keep a 45 footer for less than 10K a year. It's a very big boat to start with. Too big. You will find that a 30 foot boat is large enough for the sailing that you want to do, and you can probably find a decent one for 30K.
Good luck in your search and keep posting your options !
