This has some nice, hi-res pictures of various Sound Blaster/Vibra 16 and other sound cards, so when shopping on eBay you can at least compare the eBay photo with this. Pictures are of high enough res to identify the Yamaha chips.
I should also add that there’s no consistent rule regarding the “value” versions not having YMF262 chips, or the non-“value” versions having YMF262 chips… visual identification seems to be the best way (i.e. don’t even trust the CTxxxx model number!)