(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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Looking for an Executive Home in Oakwood??

61 Shafor, Oakwood, Ohio 45409

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.

Stunning 3 Bed / 2 Bath Brick Home in Englewood

4626 Dartford, Englewood, Ohio 45322

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.

Ready to Rehab in South Park

224 Hickory, Dayton, Ohio 45410


Build Your DREAM HOME Here!

7001 Camden, Clayton, Ohio 45315

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.


7001 Camden, Clayton, Ohio 45315

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.

Two-Story Colonial on a Cul-de-sac

4502 Circle Hill, Dayton, Ohio 45424

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.

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

2270 Ebersole, Ohio 45502

  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...

Miamisburg Home Offers Natures Tranquility

53 Fitzooth, Miamisburg, Ohio 45342

 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.

Northridge Home with FOUR Parcels!

2231 Keenan, Dayton, Ohio 45414


Adorable Ranch Home w/ 2+ Car Garage

205, Dayton, Ohio 45432

2 carParking(s)


759 Ellsworth, Trotwood, Ohio 45426


You can literally watch the "Deer Run"

1003 Deer Run, Centerville, Ohio 45459


Latest News by Tammy

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).

Jobs Ohio Quarterly Update Meeting

Participating in the Jobs Ohio Quarterly Update meeting and hearing wonderful news about the progress of our state is an exciting opportunity.

“Ohio is a Special Place”  (nothing new to me – of course I already know and believe this!)

The diversity of our state is helping to drive the various job sectors GROWTH, the vibrancy of our communities and the future potential we can take hold of and claim.  All that being said, there is a challenge, as Lt Governor Husted stated, “We need to begin to address HOUSING” – and the low inventory levels we have had now for the last four years have added to that need.

Hear the report for yourself : https://www.jobsohio.com/about-us/meetings-and-financials/board-meetings-and-materials

It is time for our communities to OPEN their thinking and planning requirements to fast-track the housing process, so that more construction can take place; BUT, it is also time to expand housing alternatives!  We must allow alternative housing structures / zoning to include: Accessory Dwelling Units (ADUs); Tiny Homes; Pre-fab / Manufactured Housing; not to mention the ability for multi-generational living and vertical living.

Easy for me to say?  YES – because I have been actively working in the industry of Real Estate since 2001.  I take this business seriously and know the impact HOUSING has on everyday quality of life, the opportunities it presents to people and more importantly – the impact it has on our communities overall.  I care about and want to assist in whatever way possible, so that the right path forward can be forged for all.  We have to address the supply of housing to begin to address the cost of housing and the circle of real estate cycles continues!!  Why are our communities making decisions about housing WITHOUT having Active Realtor participation?  Our Associations and committees would gladly help to answer the questions, direct the focus that is needed and to even participate and volunteer to be included in their discussions – yet many in leadership merely serve their time and pass the buck to the next party.  Without an answer to the question of housing – we cannot address the other necessary topics (affordability, homelessness, blighted redevelopment, incoming job growth) all of which should be just as important for community leaders to begin addressing as well 😉

I am not “just a Realtor” I AM YOUR ADVOCATE for property rights and opportunities.  I help people to buy, sell and invest in what is typically their LARGEST SINGLE AND MOST EXPENSIVE FINANCIAL ASSETT and I do this with integrity and with the client’s best interest at heart.  Seems to me – I might be that person who would be good to have a part of the planning??? At least I am willing to make myself available and help dive into the process with you!

I’ve been talking about topics that are now starting to “trend” but I was saying it LONG before – and I believe alternative housing is going to be the necessary, next thing.  Soon I will get to report on a factory tour for a prefab manufacturing facility in our area, and I am planning to venture out West to tour another facility – because I know how important this next step is for people and for our communities.  WATCH for updates and I’ll be sure to share my thoughts and findings with you 😉