1886-O is an issue with substantial value in Mint State condition, and very little in circulated condition. Prices start to ramp up beyond the norm at about AU55 or so. The coin presented here, based on these images, doesn't quite reach AU50.
$15.00 +/- just for silver content at today's prices. Maybe $45.00 in XF-45, which is about what you have. Thousands if Mint State condition, which yours isn't. Common in lower and middle grades, rare in MS.