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With no contract required, Amazon Warehouse Deals offers the used Apple iPhone 4 16GB for AT&T Wireless in Black, model no. MC318LL/A, starting $199.22 with free shipping. That's $36 under our August mention and the lowest total price we've seen for this phone without a contract. (It's also $122 less than the best price we could find for a refurb.) It features an Apple A4 processor, 326-ppi (pixel per inch) Retina 3.5" display running at 960x640, gyroscope, front- and rear-facing cameras, 5-megapixel camera with LED flash, 720p video capture at 30 fps, 802.11n wireless networking, dual microphones, and more.
Note that no warranty information is provided. (A 30-day return policy applies.)