Many collectors go by eBay completed auctions and/or Heritage Auction Archives for prices realized on such collectibles. Guide books are good for some things, but getting values aren't one of them. My estimate on the value of your well circulated New York district FRN star note, Series of 2003 - Marin | Snow signatures, would be that you may be able to find a buyer around $120 to $140. Despite it's condition, the note also has what some would consider a low(er) serial number, with three leading zeros and for some collectors that can be enough to pay something over face. IF this note were Gem ChCU, I'd hazard a guess that you might get double face value or a little better, particularly if the note was high grade and certified by a TPG like PMG, PCGS or even CMG.
Collectors of $100 modern-era notes are few and far between and usually want uncirculated examples. Your note is from a short run of 320,000 notes but Dallas (DK*) run #2 , 128,000 is the key note for the series.
I posted a response in another thread that had this note, but I agree with krispy and Steve on this one. My estimate is about 10 - 15% premium based on the buyer right now. It could go up if you hold onto it, but it is circulated, and most high denomination collectors prefer uncirculated examples.
