The five digit serial number in the 74,400 range makes it a pre-WW1 commercial. It's thought that commercial serial numbers ran to approximately 75,000 before the war. Is the holster marked other than the "F-3138"? (Look closely at the back of it.)
The wood bottom mag is correct for the pistol. Is it serial numbered? The blued mag is a later one. It's possible that the pistol was purchased privately by a military man or that the Vet obtained it from a civilian. The tool appears to be marked and the leather lanyard will be of great interest to many on this board. Lanyards are not commonly seen.
At $500 you got a great deal, IMO. Can you take more pictures with closeups of everything?
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