I have an identical gun, but not refinished. The serial number on the bottom of the grip on mine is 54055 so somewhat earlier than yours. You can tell yours has been refinished because the hammer and trigger are plated whereas an original revolver would have hammer/trigger casehardened. The grips can be removed with a screwdriver that fits the screw head. Be careful because those old pearl grips can be fragile.
The fact that your gun has been refinished reduces the collector value. The Standard Catalog of Smith and Wesson says the .32 Double Action 4th Model in Very Good condition is valued at $200. Roughly 239,600 of this model were made between 1883 and 1909, so they are not rare. Many, including mine, were stashed in an underwear drawer and shot very little. Your's is very nice, but because it has been refinished, I'd guess the value is around that $200 mark. Other people on this forum with more knowledge and experience may have a different opinion. A family gun often has sentimental value that exceeds the market price.