You'll need to buy used, and will do best with something in great shape but showing holster wear or something, in blue. An S&W 10 will be a solid choice along those lines. $200 is pretty marginal but with some shopping, yeah, it's doable. Stainless, not likely. If you can find one, a blue Ruger Security/Service series with a bit of cosmetic issues would be a gem.
There's a "revolver checkout" sticky. That will help you spot a "cosmetically flawed gem", your best bet in the under-$250 range.
Try and stick with S&W or Ruger if possible. Taurus, not half bad if it's fairly recent and is a 38 over a 357. Anything else...gawd, avoid anything Spanish. Don't even mess with anything labeled "Windicator" or especially "Comanche". Most European revolvers blow chunks.
Charters...wow, you could write a book. Short form: early 38spl Charter Arms guns (look for a GOOD finish, case hardened ("mottled") hammer and exposed free-floating ejector rod) can be awesome, but...see my post at:
http://thehighroad.org/showthread.php?t=307830
...and elsewhere under my usual name "Jim March".
Here's where it gets hairy: late in the original Charter Arms era, they started running outta money. Quality control got spotty. They went out of biz, the design got bought by Charco, quality went spiraling down a toilet. A well-used toilet, that had been subjected to a mass diarrhea outbreak by overweight geriatrics. Avoid Charco.
The new Charter 2000 guns, I dunno about. They seem to have transitioned from a "tight lockup design" to a looser setup like Ruger and S&W. They're a bit crude lookin' but...I dunno, run a checkout on one, see what you think. The Charter's design concepts were really good, which is why it kept getting brought back. It has a lot of "Rugerish" elements, like no side plates, extra lockup point at the crane, transfer bar ignition, etc. Just gotta baby 'em a bit, and don't even *think* about the 44/357 versions.