Hello:
A four hundred dollar evaluation means that someone is trying to rip off you off... I would remember that person.
Since I cannot see your rifle in person, I will have to go on what you said about it. And, I will have to assume that this rifle is an original Winchester 1885 rifle, not a Winchester/Miroku reproduction of the original 1885 Winchester. I think your rifle is worth between $1500.00 and $1800.00 dollars.
If the rifle were in an original black powder caliber, such as 32-40, you could probably tack on another $750.00 to the above evaluation. That would be $2250.00 to $2550.00. And, that is what it would sell for in southern California.
Bill