Basically, you have nothing to lose..
One thing is the price expectation and the other is what you ultimately get for it.
Have a conversation with the owner that you have done your own research and that her price expectation is clearly above the market value from your perspective. Then make an offer that you can live with. If she declines it, you still have no problem, provided that termination due to personal use has really been excluded.
I don’t know how often I, and also in my private circle, have experienced that we were at viewings and with private sellers the price expectations were almost always exorbitantly high, but at the same time several tens of thousands of euros were negotiated down straight away.
Trying makes you smarter - that’s what I always say :)