Toyota does use an oil cooler on some applications like my Celica and that could be a source for oil/coolant mixing, although I haven't seen it an issue.
I would check under the oil fill cap for milky oil as steam goes to the highest point of an engine. It's not the water that is as bad in the oil, it's the antifreeze as it cuts the lubricity in the oil and kills the bearings in an engine very rapiditly.
If there is no water in the oil, start back with what I told you, clean the overflow out and make sure it's oil and not carbon. Carbon could also be signs of combustion leaking into the coolant through the headgasket. One simple way to test that is if the car is absolutly cold start it up and rev it a couple times then shut it off and quickly remove the radiator cap, if theres pressure I would recomend doing a compression test to verify the problem. Your car can go a long time before this becomes a problem.
If there is actually oil in the antifreeze, after you clean it out see how long it takes to come back again and keep an eye on it.When you clean the overflow make sure oil is not still in the radiator top, if there is oil in the radiator add water and run the engine to normal operating temprature til it pushes it out of the radiator, then clean the overflow. If oil comes back rapiditly I would further investigate the headgasket. But if this oil in the antifreeze happened over 90K miles I wouldn't worry too much. When was the last time you changed the antifreeze btw, and is it still the Toyota red? No sense in doing a headgasket right away until you diagnose the problem thouroughly, always start simple and cheapest scenario first.
Have you gotten the car hot at all by any chance?