(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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Delightful Two Story in Wolf Creek Run

4957 Galileo, Trotwood, Ohio 45426

4Bedroom(s)
2Bathroom(s)
22Picture(s)
2,265Sqft
 Welcome to the Wolf Creek Run subdivision that is easy commute access via 49 / Corridor to I-70 and minutes from highway interchanges! This community presents with a mix between Trotwood / Clayton / Englewood and you will truly enjoy the spacious PENNINGTON MODEL from DR Horton that was constructed in 2021.
$269,900

Houses Needed !

2Bedroom(s)
1Bathroom(s)
4Picture(s)
800Sqft
We have BUYERS who have been anxiously waiting for INVENTORY and Interest Rates to drop - and NOW IS THE TIME to get Your House LISTED FOR SALE to capture their attention / offers!We are happy to meet with you and discuss the MARKET VALUE and CURRENT CONDITIONS so that YOU can time the SALE OF YOUR HOUSE to MAXIMIZE YOUR GAIN.
$100,000

Looking for an Executive Home in Oakwood??

61 Shafor, Oakwood, Ohio 45409

3Bedroom(s)
2Bathroom(s)
1Picture(s)
2,196Sqft
Perfect Location for In-coming Executives who want to leave in desirable Oakwood.  With all the community features (park, community center, and tennis) all a short walk / drive!  Seize this rare and exclusive opportunity to own a captivating brick ranch nestled in the highly desirable Oakwood neighborhood.
$360,000

Stunning 3 Bed / 2 Bath Brick Home in Englewood

4626 Dartford, Englewood, Ohio 45322

3Bedroom(s)
2Bathroom(s)
5Picture(s)
1,596Sqft
Step inside to discover the artful fusion of contemporary design and practicality with 1596 SF. A brand new HVAC system, with new windows, ensures year-round comfort and efficiency. Prepare to be amazed by the well-appointed kitchen, showcasing new Whirlpool stainless steel appliances that elevate your culinary adventures.
$230,000

Ready to Rehab in South Park

224 Hickory, Dayton, Ohio 45410

2Bedroom(s)
1Bathroom(s)
4Picture(s)
1,014Sqft
$95,900

Build Your DREAM HOME Here!

7001 Camden, Clayton, Ohio 45315

9Picture(s)
Welcome to the beautiful Moss Creek Subdivision of Clayton! This area is in the rebuilding and final building stages and prime location is presented for your future HOME. All utilities to the lot and ready to build - just need your own builder and design.
$35,000

BUILD Your DREAM HOME Here!

7001 Camden, Clayton, Ohio 45315

10Picture(s)
Welcome to the beautiful Moss Creek Subdivision of Clayton! This area is in the rebuilding and final building stages and prime location is presented for your future HOME. All utilities to the lot and ready to build - just need your own builder and design.
$35,000

Two-Story Colonial on a Cul-de-sac

4502 Circle Hill, Dayton, Ohio 45424

5Bedroom(s)
2Bathroom(s)
2Parking(s)
22Picture(s)
2,352Sqft
This glorious colonial two-story offers 2352 SF living and benefits from cul-de-sac curve with a fenced back yard. You will feel the open space floor plan with still designated rooms for convenience of use... with the main floor offering a formal living room, open kitchen to family room, dining room, half bath and laundry room.
$289,900

FOR SALE: A House with 6.94 Acres - in German Township

2270 Ebersole, Ohio 45502

3Bedroom(s)
2Bathroom(s)
31Picture(s)
1,350Sqft
  Take a short drive out to this wonderful brick ranch, offering 1350 SF of living space with LOTS OF POTENTIAL!! Oh - AND it sits on 6.94 acres - that gives you EVEN MORE POTENTIAL!!  Whether you are looking for that quiet get-away from neighborhood living, or just wanting to plant a garden and reap the rewards of self-sufficient living...
$274,900

Miamisburg Home Offers Natures Tranquility

53 Fitzooth, Miamisburg, Ohio 45342

4Bedroom(s)
2Bathroom(s)
AttachedParking(s)
25Picture(s)
1,824Sqft
 This two-story home in Miamisburg offers you the best in convenience to shopping, restaurants, entertainment and interstate / commute access all while providing the quiet comfort of nature with the protected rear of property as a Natures Trail.
$289,900

Northridge Home with FOUR Parcels!

2231 Keenan, Dayton, Ohio 45414

3Bedroom(s)
1Bathroom(s)
14Picture(s)
1,136Sqft
$74,900

Adorable Ranch Home w/ 2+ Car Garage

205, Dayton, Ohio 45432

3Bedroom(s)
1Bathroom(s)
2 carParking(s)
17Picture(s)
864Sqft
$124,900

Latest News by Tammy

Building a Secure Future: Estate Planning and Real Estate Workshop

Our “Building a Secure Future: Estate Planning and Real Estate Workshop” is planned for Thursday, August 24, 2023 and will be held from 11 AM – 1 PM.  This FREE event will be held at the American Legion Post 598 at 5700 Kentshire Drive, Kettering OH 45440.  Please reserve your seat in advance so that we can adequately be prepared with Refreshments and Hand-outs!

Here are a few Helpful Tips to Assist Planning for You & Your Loved Ones:

  1. Start Early: Begin your estate planning process as soon as possible. Don’t wait until it’s too late or you’re faced with an unexpected event. Planning ahead allows you to make informed decisions and ensures that your wishes are carried out effectively.
  2. Define Your Objectives: Clearly identify your goals and objectives for estate planning. Whether it’s protecting your assets, minimizing taxes, providing for your loved ones, or supporting charitable causes, having a clear vision will guide your planning process.
  3. Create a Comprehensive Estate Plan: A well-rounded estate plan typically includes a will, power of attorney, healthcare directives, and trusts. Tailor these documents to your specific needs and circumstances, considering factors such as real estate holdings, investments, business interests, and family dynamics.
  4. Regularly Review and Update: Life circumstances change over time, so it’s crucial to review and update your estate plan periodically. Major life events like marriage, divorce, births, deaths, or significant financial changes may require adjustments to your plan.
  5. Involve Trusted Professionals: Seek the guidance of experienced professionals such as estate planning attorneys, financial advisors, and tax experts. They can help you navigate complex legal and financial matters, ensuring your plan aligns with applicable laws and maximizes your benefits.
  6. Consider Long-Term Care: Incorporate provisions in your estate plan to address potential long-term care needs. This may involve setting up healthcare proxies, living wills, or establishing trusts to safeguard assets and provide for your care in the event of incapacity.
  7. Maximize Real Estate Planning: Real estate is often a significant asset in an estate. Consider how to pass on property to heirs efficiently, minimize tax implications, and explore strategies like gifting, trusts, or establishing family limited partnerships to manage and protect your real estate assets. Working with your Trusted Realtor is a start to ensure timing in the market is maximized.
  8. Communicate with Loved Ones: Openly discuss your estate planning intentions with your family and loved ones. Clear communication can help prevent misunderstandings, disputes, and challenges in the future. It also allows you to address any concerns and provide explanations for your decisions.
  9. Continually Educate Yourself: Stay informed about changes in estate planning laws, tax regulations, and financial strategies. Attend workshops, seminars, or seek educational resources to enhance your knowledge and make informed decisions.
  10. Seek Professional Guidance: While this list provides helpful tips, it’s important to remember that every individual’s situation is unique. Therefore, consult with a qualified estate planning professional who can provide personalized guidance based on your specific circumstances and goals.
Estate Planning & Real Estate Workshop image

Property Values Increase

It’s great to hear that Montgomery County has experienced a significant increase in property values! A 30% increase to a total property value of $38.1 billion is indeed a substantial growth. Rising home sales records often contribute to an overall appreciation in property values within a region. As our meeting today with Karl Keith confirmed, that is an “historic growth in values”.

Increasing property values can have several implications. Homeowners may see their investments grow and potentially gain equity in their properties. Local governments may also benefit from increased property values as they can generate higher property tax revenues, which can be allocated towards community services and infrastructure development.

 

Montgomery County Property Values Update

HOWEVER, you will be delighted to learn that at least the actual Tax Bill will NOT increase 30%!! You heard me correctly, the tax bill is likely to adjust between 4-6%, based on a value increase change of $100k.  Just as in Real Estate, Property Taxes are also based on LOCAL criteria.  Understanding what is going on with your home, street and neighborhood AFFECTS that overall Property Value as determined by the Auditors office.

AND, if you are not happy with the findings (which should be mailed to home owners at the end of the year with the final release) – You MAY be able to file a dispute if you have material information that appears to not be reflected.  Curious about this process or want help to navigate the way???  This is a service that Tammy offers to clients, so that the deadline to submit dispute application can be met, and then subsequently the review meeting later in the year can be adequately prepared for and presented on your behalf.

We are not alone, of Ohio’s 88 counties, 41 are reporting INCREASED VALUES (with Franklin County reporting the highest gain of 41%!) What this means is that our schools, communities and infrastructures will benefit from the potential increase in revenues earned 😉

Want to learn more about what Karl Keith and the Auditor’s Office do?  Checkout their link here: http://mcauditor.org/

 

Steps to Buy a House

The Steps to Buy a House involve several aspects, and here’s a simplified explanation of how it typically works:

  1. Saving for a Down Payment: The first step is to save money for a down payment. This is a portion of the total price of the house that you need to pay upfront. Saving for a down payment might take some time, but it’s an important part of the process.
  2. Understanding Your Budget: Before you start looking for a house, it’s essential to determine how much you can afford. Consider your income, expenses, and any existing debts you have. This will help you figure out a comfortable budget for your home purchase.
  3. Getting Pre-approved for a Mortgage: Unless you’re buying a house outright with cash, you’ll likely need a mortgage, which is a loan specifically for purchasing a home. To get pre-approved for a mortgage, you’ll need to provide some financial information to a bank or lender. They’ll assess your financial situation and let you know how much they are willing to lend you.
  4. Finding a Real Estate Agent: A real estate agent is a professional who helps you find a house that suits your needs and budget. They have access to listings and can guide you through the buying process. Look for a reputable agent who understands your requirements.  If you are reading this post – then you are already on the way to finding your Best Realtor of choice! 😉
  5. House Hunting: With the help of your real estate agent, you can start looking for houses that match your preferences. Consider factors like location, size, amenities, and price. Visit different properties, take notes, and ask questions to gather information.
  6. Making an Offer: When you find a house you like, you can make an offer to the seller. Your real estate agent will help you with this process. You negotiate the price and terms of the purchase, including any contingencies (such as inspections or repairs) that need to be met.
  7. Home Inspection: Before finalizing the purchase, it’s crucial to get a professional home inspection. An inspector will examine the house for any potential problems or repairs needed. This will help you make an informed decision about whether to proceed with the purchase or negotiate repairs with the seller.
  8. Closing the Deal: Once you’re satisfied with the inspection results and have secured your financing, you’re ready to close the deal. This involves signing legal documents, including the mortgage agreement and the deed, which transfers ownership to you. You’ll also need to pay closing costs, which include fees for various services related to the transaction.
  9. Moving In: Congratulations! After closing the deal and receiving the keys, you can move into your new home. You may need to arrange for utilities, such as electricity, water, and internet service, and make any necessary updates or repairs to personalize your space.

Remember, buying a house is a significant financial decision, so take your time, ask questions, and seek advice from professionals along the way.

 

Boxabl as the Future of Housing

Boxabl as the Future of Housing -presents with a unique housing product that is price / quality and timing sensitive to the current needs in communities… we just need to get our Community Leaders onboard to adjust zoning and permitting to allow the use of this housing alternative.

Knowing that we are now hearing about the “housing crisis” and that there is a shortage of homes for sale across the country, and especially in our local communities – housing alternatives are NEEDED.

Want more information?  Ask Tammy for details or feel free to explore with these links:

Boxabl housing logo

And View Video for more details:   BOXABL VIDEO

 

Buying a Home isn’t Rocket Science

Although buying a home isn’t rocket science, although it can feel overwhelming… we are here to help you along the way!

Getting in contact with us early is very helpful to the process and unlike searching online for homes and loans – we promise not to bombard your phone and email with SPAM.  Have you looked online and seen a house that catches your eye – and in an honest (innocent) effort thought clicking “more info” was the better to get answers??  Likely then, you also have been hit up with a BUNCH of phone calls / emails that suddenly you feel inclined to turn everything off and never search again online!?

WE know the feeling = as Realtors it seems EVERYONE has something to sell us LOL.  So we respect the right you have to search online for homes – and we assist with giving you specific emails about new listings or homes that update status / price to fit your needs – and only those emails are what we will send.  You could also sign up for our newsletter – which is only generated at the first of each month, but again – delivery is specific to your request for the information and if that ever changes, you can opt out.

Online lenders that try to “sell” you the idea of also giving you HOME SEARCHES – is SELLING YOUR INFO TO THE HIGHEST BIDDER AGENT and not necessarily the right Realtor for You 😉

Reach out and call / text or email Tammy directly for your personal Real Estate experience to begin (without the hassle of being SPAMMED).