(937) 838-0997 [email protected]
Tammy Murphy
Tammy Murphy
R H 2 L
R H 2 L
6814 Loop Road
Tammy, grew up in Dayton, attended the Dayton Public Schools and Graduated Patterson Cooperative High School. She began a graphics presentation company out of high school and understands what it takes for a business to be successful. Her career in real estate began while living away in Arizona, but it was inevitable that she would return home to the Dayton area. Tammy has now worked in real estate since 2001 and truly enjoys the opportunities (and challenges) that are a part of the real estate markets. RH2L was established with the passion for service that is an integral and often missing piece to our industry. Tammy works endlessly to ensure that each of the Realtors within RH2L is also dedicated to providing the highest level of professional service to our clients. RH2L is honored to be the Dayton Area Board of Realtors BROKER / OWNER of the Year! We will continue our excellence in service for those in real estate need.
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315 Hess Court, Fairborn OH 45324

315 Hess, Fairborn, Ohio 45324

4Bedroom(s)
2Bathroom(s)
35Picture(s)
1,720Sqft
$349,900

Brick Ranch in Bellbrook UNDER $300k?!?

2219 Braldey, Bellbrook, Ohio 45305

3Bedroom(s)
2Bathroom(s)
31Picture(s)
1,416Sqft
Welcome to 2219 Bradley Court, a charming brick ranch located on a quiet cul-de-sac in a convenient area of Bellbrook.This home offers a comfortable and inviting layout with a natural flow between the main living spaces.
$290,000

205 Sheldon Drive

205 Sheldon, Centerville, Ohio 45459

3Bedroom(s)
2Bathroom(s)
25Picture(s)
1,602Sqft
Welcome to “Warm and Cheerful Centerville,” a property that perfectly blends peaceful living with the convenience of one of Centerville’s most active community districts.Situated on a spacious .63-acre cul-de-sac lot, this charming brick ranch offers privacy, mature trees, and outdoor spaces designed for relaxation.
$349,900

10304 Harlequin Court, Alexandria Kentucky

10304 Harlequin, Alexandria, Kentucky 41001

3Bedroom(s)
2Bathroom(s)
19Picture(s)
2,752Sqft
 WELCOME to this beautifully maintained Maronda Homes of Cincinnati build, completed in 2021 and offering over 2,700+ square feet of living space. Located in the highly sought-after Ponde Creek Subdivision and situated on a .312-acre cul-de-sac lot, this home features a flexible layout with 3 bedrooms plus a loft, providing an ideal bonus space for recreation, work, or relaxation.
$449,900

Amazing Mixed Use Space AVAILABLE TO LEASE

1 Main, Spring Valley, Ohio 45370

3Bedroom(s)
2Bathroom(s)
18Picture(s)
1,884Sqft
1 W Main Street, Spring Valley, OHNow Available for Lease – Mixed-Use Living & Business OpportunityImagine the possibilities of being able to LIVE, WORK, and RELAX all in the same space — right in the heart of historic Spring Valley! That’s just one of the many opportunities presented by this beautifully restored two-story brick home, now available for lease.
$3,000

Brick Home in West Carrollton FOR SALE

1100 Elm, West Carrollton, Ohio 45449

3Bedroom(s)
2Bathroom(s)
24Picture(s)
1,473Sqft
Charming Brick Ranch in West Carrollton – Estate Pre-Sale OpportunityWelcome to this well-loved 3 bedroom, 2 bath brick ranch offering 1,473 square feet of comfortable living space in a convenient West Carrollton location.Inside, you’ll find a formal living and dining area, a kitchen with an eat-in counter, and a cozy family room with a fireplace (never used).
$249,900

SOLD Two Dwellings on Over 9 Acres - "Rare Find"

3680 US 50, Hillsboro, Ohio 45133

7Bedroom(s)
4Bathroom(s)
6Picture(s)
5,188Sqft
Two Dwellings with a total of 5,188 sq. ft. - 3 bed/3 bath in Barndominium and 4 bed/1.5 bath in farmhouse on over 9 Acres!! Discover this one-of-a-kind property nestled in the serene countryside of Hillsboro, Ohio. Offering two distinctive dwellings on just over 9 acres, this is the perfect place for anyone seeking a unique blend of charm, space, and modern comfort.
$499,900

Low Maintenance Living with Modern Take in this Condo

140 Rippling Brook, Springboro, Ohio 45066

2Bedroom(s)
1Bathroom(s)
25Picture(s)
1,931Sqft
Welcome to low-maintenance living at its finest in this stunning second-level condo in the sought-after Waterside at Settlers Walk! The original owner spared no expense when choosing upgrades in this Fischer Homes Baypoint II floor plan, creating an open and inviting layout perfect for modern living.
$334,900

SOLD Cute as a Button - This Ranch is Perfect to Start Your Ownership

5053 Galileo, Dayton, Ohio 45426

3Bedroom(s)
2Bathroom(s)
22Picture(s)
1,500Sqft
Welcome to Wolf Creek Run and this delightful ranch home that is just waiting for YOU! Picture perfect moments await as the open living to kitchen comes complete with a large island that allows for gathering while prepping and staying apart of the activities with friends and family.
$225,000

SOLD Beautiful 4 Bedroom Home in Wolf Creek Run

5735 Ericsson, Dayton, Ohio 45426

4Bedroom(s)
2Bathroom(s)
34Picture(s)
2,026Sqft
Welcome to this beautifully updated two-story home that seamlessly blends modern comfort with timeless design. Situated in a desirable neighborhood, this home offers over 2,000 square feet of thoughtfully designed living space, perfect for today’s lifestyle.
$199,900

SOLD Stunning Pisa Torre Model in Carriage Trails

4078 Forestedge, Tipp City, Ohio 45371

3Bedroom(s)
3Bathroom(s)
13Picture(s)
2,951Sqft
Welcome home to this upgraded Pisa Torre model in the desirable Carriage Trails Subdivision, offering all the bells and whistles.
$470,000

SOLD Discover your dream retreat with this charming brick ranch

2135 Leigh, Moraine, Ohio 45439

4Bedroom(s)
2Bathroom(s)
14Picture(s)
1,674Sqft
D
$238,500

Latest News by Tammy

Montgomery County Real Estate Market Trends – May 2026

Montgomery County real estate market trends for May 2026 reveal a market that may appear to be adjusting on the surface—but remains highly competitive underneath. While some pricing metrics softened slightly, buyer demand and inventory levels continue to tell a much stronger story.

What Happened in the Market This Month

May brought a mix of subtle pricing shifts and strong demand indicators:

• Median Sales Price: $233,000 (-0.9%)
• Average Sales Price: $261,880 (+0.3%)
• Price per Square Foot: $153 (slight decrease)
• Homes for Sale: 968 (-2.8%)
• Closed Sales: 640 (no change)
• Days on Market: 27 (-12.9%)
• Pending Sales: 763 (+17%)
• Months Supply: 1.7 (-5.6%)

At first glance, it may look like the market is leveling out. But when you look deeper, the data shows that demand is still very much present—and active.

What Montgomery County Real Estate Market Trends Mean Right Now

This market is not slowing—it’s tightening.

The surge in pending sales tells us that buyers are still entering the market and making decisions. At the same time, inventory continues to decline and homes are selling faster.

That combination keeps pressure on buyers, even when pricing shows small adjustments.

However, there is an important real-time shift that is not fully reflected in the monthly data.

A Real-Time Look at What’s Happening Right Now

The last two weeks of May were noticeably quiet in several areas.

Showing activity slowed. Movement paused. In some neighborhoods, it felt like things came to a standstill.

That kind of shift can easily give the impression that the market is slowing down.

But in reality, this appears to be more of a temporary pause than a true change in direction.

Seasonal timing plays a role—graduations, end-of-school schedules, and transitions into summer often create a brief slowdown in activity.

And when buyers step back—even briefly—it can feel like the entire market has shifted.

Where the Market is Headed Next

This is where things get important.

When a pause like this happens in a market that already has:
• Low inventory
• Strong buyer demand
• Fast-moving homes

…it often doesn’t last long.

As we move into summer, we typically see buyers re-enter the market quickly. And when they do, activity doesn’t gradually build—it accelerates.

That’s why this current window may be one of the most important moments for buyers.

Those who act now may experience less competition.

Those who wait may find themselves entering a much more aggressive and fast-moving environment.

In other words:

The market didn’t slow—it paused. And that pause may not last.

Why Experience in Today’s Market Matters

There’s a lot of noise right now about the market—some comparing it to “COVID-like conditions” and others brushing it off as sales pressure.

But here’s the reality from someone who is actively working in it every single day:

This market is moving fast. Faster than many buyers expect.

You may not have the luxury of taking a day—or even a night—to think about whether a home is right for you. By the time you decide, there’s a strong chance multiple offers are already on the table.

That’s not a sales tactic. That’s what is actually happening.

As a REALTOR® and Broker/Owner with over 25 years in this business, I bring experience—but just as importantly, I bring current, real-time insight.

I’m not removed from the market. I’m in it.

Showing homes. Writing offers. Negotiating deals. Watching how buyers and sellers are reacting right now—not months ago.

That matters.

Because success in this market isn’t just about understanding real estate—it’s about understanding timing, competition, and how decisions are being made in the moment.

And that only comes from being actively involved, not just observing from the sidelines.

In this market, hesitation doesn’t just slow you down—it can take the opportunity off the table entirely.

Montgomery County Ohio May 2026 Real Estate Market Update

Property Rights, Zoning Rules, and Why Your REALTOR® Matters

Property Rights, Zoning Rules, and Why Your REALTOR® Matters

Don’t Ignore These “SIGNS”  – it could be important for YOU to attend the meeting and to speak up… property rights are becoming an increasingly important issue for homeowners, buyers, and sellers navigating zoning regulations, permits, setbacks, and renovation projects.  Many homeowners never realize how complex these issues can become until a repair, replacement, or complaint suddenly places their property under review.

Property rights are probably not something most homeowners think about every day. When people buy a home, they are focused on the excitement of the purchase, the neighborhood, the layout, financing, schools, and future plans for the property.

What many people do not realize is how zoning regulations, setback requirements, permits, and legal non-conforming structures can suddenly become very important years after closing.

That reality became very clear during a recent Washington Township zoning appeals meeting I attended.

Originally, I attended because one of the agenda items involved my own neighborhood. However, by the end of the evening, my REALTOR® perspective was fully engaged because every case reinforced how important local knowledge truly is when buying, selling, or improving a property.

Older Properties Can Create Modern Problems

The first case involved aging homeowners who simply wanted to improve their property so they could continue enjoying their home long term.

At first glance, the request seemed completely understandable.

However, the original home and structures already failed to meet current setback requirements. Because of that, even improving and updating the property required a variance request before the work could move forward.

The board ultimately approved the request after reviewing the intended use of the property and determining the changes would not negatively impact neighboring homes.

Still, the case highlighted an important issue many homeowners never think about.

Just because a structure already exists does not automatically mean it complies with today’s zoning standards.

When Neighbors, Rules, and Property Rights Collide

The second case created the most discussion in the room.

A homeowner had recently completed improvements on a corner lot that included fencing and a parking pad area. The zoning issue specifically centered on the requested 8-foot fence height, which exceeded the normal 6-foot limitation.

The homeowner had submitted plans, received approval, and completed the work quickly. However, questions later arose regarding how the approval process had been interpreted and whether the additional fence height aligned with township regulations.

As the discussion unfolded, it became very clear how differently neighbors can view property rights and neighborhood expectations.

Some residents fully supported the homeowner and believed the improvements enhanced the property. Others strongly opposed the request and believed previous restrictions should continue applying exactly the same way today.

Because of the unique topography of the lot and questions surrounding the permit process, the board chose to continue the case for additional clarification and review.

After the continuance was announced, one attendee became increasingly vocal and disruptive toward the meeting proceedings and others in attendance. He was eventually asked to leave the room so the remaining cases could continue in an orderly manner.

What stood out to me most was not simply the disagreement itself. It was how quickly property issues can become emotional once neighbors, opinions, and regulations all collide.

Even a Deck Replacement Can Trigger Zoning Review

The final case involved homeowners replacing an aging deck that had become unsafe.

The issue was not the deck itself. The concern centered on the fact that the original structure already failed to meet current setback requirements. Because the homeowners planned to replace the deck rather than simply repair portions of it, the project triggered a variance review process.

The homeowners explained that removing the deck entirely was not a realistic option because the exterior doors would then open to a significant drop below.

The variance was ultimately approved.

However, this case led me to ask an important question afterward as a REALTOR®.

Was the Zoning Issue Ever Disclosed?

As I dug deeper into the situation, I learned the prior setback issue had not been disclosed when the property was sold.

That discovery led me to speak further with township personnel because I wanted to better understand how homeowners and buyers can protect themselves moving forward.

What I learned was eye-opening.

There is not a simple online resource where homeowners can easily search for zoning violations, legal non-conforming structures, or unresolved zoning concerns tied to a property. Likewise, unlike many HOA communities, there is not always a concise and easy-to-find summary of township zoning regulations readily available before beginning repairs or renovations.

Even more surprising, township officials explained that replacing a structure is not always treated as a simple repair. Depending on the scope of work involved, a project can trigger additional zoning review and approval requirements.

That matters far more than many homeowners realize.

Why This Matters for Buyers and Sellers

This is exactly why real estate should never be treated as “just another transaction.”

A REALTOR® should do far more than unlock doors and write contracts. Local experience matters. Understanding community processes matters. Knowing when to ask additional questions matters.

Sometimes a simple phone call to a zoning department can uncover information that saves homeowners time, money, frustration, permit delays, and future resale complications.

More importantly, it can provide peace of mind before renovations or improvements begin.

As buyers become more focused on updating homes, adding fences, improving outdoor living spaces, or making properties fit changing family needs, understanding local regulations becomes increasingly important.

Property Rights Still Matter

I fully understand why zoning regulations exist. Communities need standards for safety, drainage, traffic visibility, and neighborhood compatibility.

However, I also strongly believe property rights matter.

A neighbor may not personally like someone’s fence, landscaping, parking arrangement, or exterior improvements. That alone should not remove another homeowner’s ability to peacefully enjoy their property so long as they are not causing legitimate harm to others.

This meeting reinforced how important balance, fairness, and equal treatment truly are when it comes to Washington Township property rights.

It also reinforced why working with a REALTOR® who understands the local community, processes, and potential concerns can make a significant difference long before — and long after — a closing takes place.

Questions Worth Asking Before You Buy

Before purchasing a property, buyers should ask whether additions, decks, fences, sheds, or exterior improvements were properly permitted. They should also understand whether the property meets current setback requirements and whether future repairs or replacements could trigger zoning review or variance approval.

Those questions may seem small during the excitement of purchasing a home. However, they can become major issues later if they are overlooked.

Montgomery County Real Estate Market Trends – April 2026

What Happened in the Market This Month

April brought strong movement across key indicators:

• Median Sales Price: $243,750 (+18.2%)
• Homes for Sale: Down 8.2%
• Days on Market: 28 days (-33.3%)
• Pending Sales: Up 21.1%
• Percent of List Price: 100%

These numbers confirm one thing: demand is not just steady—it is increasing.

April 2026 Market Insights

What This Means for Buyers and Sellers

For buyers, the strategy of waiting is becoming more costly.

Homes are moving quickly, and strong offers are becoming the norm. The buyers who are succeeding right now are prepared, decisive, and ready to act immediately.

For sellers, this is a window of opportunity.

Low inventory combined with strong buyer demand creates favorable conditions for pricing, negotiation strength, and shorter timelines.

Where the Market is Headed Next

The most important signal in this market is not just price—it’s behavior.

• Buyer activity is rising
• Inventory is tightening
• Speed is increasing

Unless inventory levels increase significantly, we can expect continued upward pressure on pricing and continued competition among buyers.

Why Experience in Today’s Market Matters

There’s a lot of noise right now about the market—some comparing it to “COVID-like conditions” and others brushing it off as sales pressure.

But here’s the reality from someone who is actively working in it every single day:

This market is moving fast. Faster than many buyers expect.

You may not have the luxury of taking a day—or even a night—to think about whether a home is right for you. By the time you decide, there’s a strong chance multiple offers are already on the table.

That’s not a sales tactic. That’s what is actually happening.

As a REALTOR® and Broker/Owner with over 25 years in this business, I bring experience—but just as importantly, I bring current, real-time insight.

I’m not removed from the market. I’m in it.

Showing homes. Writing offers. Negotiating deals. Watching how buyers and sellers are reacting right now—not months ago.

That matters.

Because success in this market isn’t just about understanding real estate—it’s about understanding timing, competition, and how decisions are being made in the moment.

And that only comes from being actively involved, not just observing from the sidelines.

Real Estate Adventures: You Never Know What’s Behind the Door

🏡 Real Estate Adventures: You Never Know What’s Behind the Door

(And Yes… Sometimes We Don’t Go In!)

🚪 What’s the Most Homes You’ve Ever Shown?

If you’ve ever wondered what it’s really like behind the scenes in real estate… let me just say this:

Every day is an adventure.

One of the most common questions I get is:
“How many homes do you usually show before a client finds ‘the one’?”

The honest answer?
There’s no “usual.”

  • One client: 75 homes in just 2 months (they had specific tastes, knew exactly what they were looking for and some showings were literally only 15 seconds!)
  • Another client: 75 homes over 4 YEARS of looking before finding the right fit (again, specific likes / dislikes and no urgency – so waiting for the right one was key)

And here’s the thing—neither is wrong.

Buying a home is one of the biggest decisions you’ll ever make. Some people know instantly. Others take time to explore, compare, and truly understand what feels right.

🏡 My role? Stay patient, stay focused, and help guide every step of the way.


😳 Have You Ever NOT Shown the House?

Now here’s where things get interesting…

People assume real estate is all pretty kitchens and staged living rooms. And yes—those moments exist.

But then there are the other moments.

👉 The “Mold Situation”
We pulled up to a home with a clear notice: “CAUTION – Possible Mold.”

Possible? Let’s just say… there was no question.

Before even stepping fully inside, it was obvious this wasn’t a safe showing environment.
Decision made: We turned around. Immediately.


👉 The “Nope, Not Today” House
Another time, we arrived to find:

  • Front door unlocked
  • Patio door glass shattered
  • Upstairs windows broken

It didn’t take long to read the situation.

I told my clients:
🛑 “Don’t touch anything. This looks like an active situation.”

We stepped back out—without seeing the home.

Because sometimes, the best showing… is the one you don’t do.


😂 “Go Into Real Estate, It’ll Be Fun…”

You’ve probably heard that before.

And it is fun—rewarding, exciting, meaningful.

But what they really mean is:

👉 You never know what your day is going to look like.
👉 You adapt quickly.
👉 You protect your clients first—always.

From dream homes to unexpected situations, this business is anything but predictable.


💡 What This Means for You as a Buyer

Behind every showing is more than just unlocking a door.

It’s:

  • Knowing when something isn’t right
  • Protecting your safety and your investment
  • Helping you stay focused on the right home—not just any home

🏡 Because finding the right home isn’t about seeing everything… it’s about seeing what truly fits.


❤️ Final Thought

Real estate isn’t just about houses.

It’s about:

  • Trust
  • Guidance
  • Experience when things don’t go as planned

And yes… a few stories along the way 😄


💬 Let’s Talk

Curious what’s out there right now?
Or wondering how many homes it might take to find yours?

Let’s have a conversation.
No pressure—just real insight.

🏡 Real Homes. Real Stories. Real Support.

Dayton Ohio Real Estate Market Update – March 2026

March 2026 Market Recap: Dayton Defies National Trends

Last month, we shared early signs of a steady start to 2026. March has now confirmed that trend—showing stronger listing activity, increased buyer movement, and continued price growth. What we’re seeing isn’t a slowdown—it’s a more balanced, sustainable market taking shape as we head into spring…

While much of the country saw a slowdown in housing activity, the Dayton Ohio real estate market in March 2026 moved in the opposite direction.

Instead of cooling, our local market gained momentum—just in time for the spring season.

Across nearly every key metric, activity increased:

  • New Listings: 1,614 homes (+9%)
  • Homes Sold: 1,163 transactions (+8%)
  • Total Sales Volume: $340.5M (+12%)
  • Median Sale Price: $260,000 (+8.3%)
  • Average Sale Price: $292,813 (+3.6%)

At the same time, inventory remained active:

  • Active Inventory: 1,856 homes
  • Pending Sales: 1,898 properties

Although homes are still selling quickly, the sale-to-list price ratio dipped slightly to 99.4%, signaling a subtle shift toward more balanced conditions.

Q1 2026 Year-to-Date: A Strong Start to the Year

Looking beyond March, the first quarter confirms that Dayton’s housing market remains stable and growing.

From January through March 2026:

  • New Listings: 3,857 (+4.7%)
  • Homes Sold: 2,900 (+4%)
  • Total Sales Volume: $828.9M (+7.8%)
  • Median Sale Price: $254,650 (+8.3%)
  • Average Sale Price: $285,861 (+3.6%)

Even with slight shifts in negotiation dynamics, the market continues to show consistent appreciation and healthy transaction volume.

A More Balanced—but Still Competitive—Market

One of the most important trends to watch:

  • Sale-to-list ratio: 98.7% (slightly down)

This indicates that while homes are still selling close to asking price, buyers are beginning to regain a bit of leverage.

NOW – While the data shows a more balanced market overall, the best homes are still creating urgency, competition, and quick decision-making for buyers.

Here’s the reality on the ground:

➡️ Well-priced, well-presented homes are still moving FAST
➡️ Serious buyers must act immediately
➡️ Preparation—not just interest—is what wins deals

This is not a contradiction—it’s a layered market.

Just this week, I caught a listing the moment it hit the system, contacted my client immediately, and we were touring before the sign even hit the yard—and we secured the deal!