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.
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.
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.
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.
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.
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).
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.
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.
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.
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.
It’s Time for Real Property Tax Reform in Ohio – And We Need YOUR Voice!
For far too long, Ohio homeowners have been overburdened with skyrocketing property taxes, while receiving little to no accountability from those managing our public funds. Despite growing public outcry, and over 40 proposed pieces of legislation (House and Senate bills) introduced in the last four years, our state leaders have failed to deliver meaningful tax relief or reform.
And now, just as we were finally gaining traction, Governor Mike DeWine vetoed key line items in the State Budget that would’ve laid the groundwork for much-needed change.
The Problem: Runaway Property Taxes, No Accountability
Ohio’s property tax system is outdated, unbalanced, and frankly – unsustainable. Taxpayers are expected to foot the bill while:
School districts sit on billions in unspent reserves.
New levies continue to appear on ballots with no cost-cutting required.
No accountability exists for how municipalities or state agencies allocate the dollars we already pay.
Many counties have seen double-digit percentage increases in property tax bills, leaving seniors, working families, and young homeowners struggling to stay in their homes.
Meanwhile, large developers enjoy tax abatements. Commercial entities leverage legal loopholes. And regular homeowners? We’re left holding the bag.
Legislative Inaction: 40+ Bills, ZERO Progress
Since 2020, dozens of bills aimed at reforming Ohio’s property tax system have been introduced. These proposals sought to:
Cap annual increases.
Tie taxation to real household income, not inflated property values.
Provide tax relief to fixed-income households and first-time buyers.
Require balanced budgets and cost-cutting mandates before new levies are allowed.
Not one of these bills has made it into law. Why? Because it’s politically easier to keep the broken system in place than to fight for reform.
✊ The People Must Lead – Sign the Petition!
We can no longer wait for lawmakers to do what’s right. This is why the Citizens For Property Tax Reform movement is taking matters into our own hands.
We’re gathering signatures for a ballot initiative to amend Ohio’s Constitution and give power back to the people. The initiative seeks to:
✅ Cap or eliminate property taxes on primary residences ✅ Require full transparency and accountability for levies and school funding ✅ Demand fiscal responsibility and balanced budgets ✅ Prevent taxation without sustainable benefit
️ Where to Sign
We invite YOU to come sign the petition in person at:
RH2L Real Estate 6814 Loop Road, Centerville, OH 45459 Mondays, Wednesdays, Fridays 3 – 7 PM and Saturdays 10 AM – NOON. Other times BY APPOINTMENT.
This is your opportunity to be the change that Ohio homeowners have waited for.
Spread the Word – Share the Message!
Every signature counts. Every voice matters. And every homeowner deserves to live without the fear of being taxed out of their home. Here’s how you can help:
Sign the petition in person at RH2L Real Estate
Share this blog post with friends, family, and neighbors
Talk to your local leaders and elected officials – demand reform
Volunteer to collect signatures or host a petition site
The Bottom Line
We aren’t asking for special treatment – we’re demanding fair treatment. A system that respects our investments, protects our homes, and requires the same financial responsibility from our government that is expected of us.
️ Property tax reform isn’t a political issue — it’s a people issue.
You hear it from TAMMY first, as she continues to keep an eye on the market data; and now officially, we are getting updates that reflect the same.
Market Shift Alert: What Today’s Real Estate Trends Mean for You
The real estate market is evolving—and if you’ve been waiting for the right time to make a move, you might want to pay attention. We’re seeing a notable shift in the housing cycle that could benefit both buyers and sellers in very different ways. Here’s what’s happening and why timing (and the right Realtor) is more important than ever.
Longer Listing Times = More Choices
One of the most noticeable changes is that homes are staying on the market a bit longer than they did during the recent red-hot seller’s market. While that might seem like a concern to some, it actually has a silver lining: ✅ Inventory is increasing. ✅ Buyers have more options. ✅ There’s time to breathe and make confident decisions.
For sellers, this means adjusting expectations and pricing strategically. For buyers, this creates a more balanced playing field—less rushing, more negotiating.
Price Reductions + Seller Incentives Are Making a Comeback
As sellers respond to market conditions, we’re beginning to see price adjustments and, more importantly, the return of meaningful seller concessions. These can include: Seller-paid closing cost assistance – helping buyers reduce upfront costs Home warranties – offering peace of mind for potential repairs Seller-paid title insurance or transfer fees – cutting down buyer expenses
In a competitive market, these extras were rare. Now, they’re back—and smart buyers are taking advantage.
Why Timing & Personal Strategy Matter
Whether you’re buying or selling, your personal timeline plays a major role in how you navigate this shifting market. Need to move quickly? There are ways to position your offer or list strategically to align with the current momentum. ⏳ Flexible on your timing? We might be able to negotiate stronger terms to your advantage.
The key is to have a Realtor who understands the local market and can tailor a strategy that matches your goals. There’s no one-size-fits-all solution—just informed, professional guidance that puts your priorities first.
The Bottom Line
The market is adjusting, and that opens new doors for opportunity—whether you’re moving up, scaling down, or buying your very first home. Don’t go it alone. Let’s talk about your unique situation and how we can make the current market work for you.
Contact TAMMY today for a personalized market update and strategy session. Your next move starts with the right plan!
Leading with Heart: How Tammy Murphy is Championing Housing Solutions for Dayton and Surrounding Communities
When it comes to housing advocacy, few leaders bring the blend of personal passion and professional purpose that Tammy Murphy does. As a lifelong Daytonian and a dedicated real estate broker, Tammy has always believed in the power of home—not just as a transaction, but as a foundation for thriving communities.
That’s why she’s leading the charge with the upcoming Ohio Housing Workshop on July 15th, bringing together planners, builders, zoning officials, lenders, and advocates for one shared goal: revitalizing our neighborhoods with practical, community-first housing solutions.
But what makes this workshop different? Tammy ensured that Dayton and our surrounding communities had a front-row seat. While this initiative has statewide potential, her first priority is clear—local leaders and residents deserve the first opportunity to be part of the change.
What’s This Workshop All About?
At its core, the Ohio Housing Workshop is designed to educate, empower, and engage. It’s a working session—not just a talking session—where key stakeholders explore tools and strategies to bring new housing into neighborhoods using existing resources.
Without getting too technical, here’s a peek at what attendees will learn:
️ In-fill housing: How empty lots in existing neighborhoods can become beautiful, affordable homes—without the cost of new infrastructure.
️ Zoning and planning: Why local policies matter and how we can work with municipalities to make room for smart growth.
️ Builder and investor partnerships: Creative ways to attract developers and fund construction while keeping housing affordable.
Land banks and financing options: How underused land and public-private partnerships can jumpstart local housing projects.
Grassroots activation: Perhaps most importantly, how communities themselves can get involved to make sure housing plans reflect local needs and values.
Why It Matters
For Tammy, this isn’t just a project—it’s personal. “Our neighborhoods deserve more than band-aid solutions,” she says. “We need a thoughtful approach that blends housing innovation with respect for our local identity.”
She’s not just organizing a workshop—she’s building a movement. One that’s grounded in collaboration, driven by data, and fueled by the belief that every community, no matter its zip code, should have a say in its future.
How You Can Get Involved
This workshop is just the beginning. Over the coming months, Tammy and her team will continue to work with local leaders, nonprofit partners, and residents to bring these plans to life. If you’re passionate about housing, community development, or simply want to stay informed, here’s what you can do:
✅ Share this post with your neighbors, council members, and community groups ✅ Join the conversation—reach out to Tammy directly if you want your neighborhood included ✅ Follow the progress as updates are shared on future housing efforts across the region
Because when it comes to shaping the future of our communities— we all have a role to play.
July is sizzling with sunshine and summer vibes! Did you know…
July is National Picnic Month – perfect for packing a basket and heading to a shady park. The 4th of July marks America’s Independence Day, and it’s one of the biggest fireworks days of the year! Birth flowers for July are the larkspur and water lily – both as vibrant as the season. Zodiac signs? Cancer and Leo reign this month – loyal, bold, and full of heart.
Feeling the heat? Here are a few quick tips to stay cool and comfy: Hydrate Often – Add lemon, cucumber, or mint for a refreshing twist. ️ Use box fans in windows to push hot air out and draw cool air in. Freeze your sheets (seriously!) or toss them in the dryer with a cool pack before bedtime. Plant shade-lovers near windows to naturally lower indoor temps.
Whether you’re house-hunting, hosting a cookout, or hiding in the AC — stay cool, stay safe, and remember…
I’m always just a call, text, or email away for any real estate questions or referrals — and I LOVE referrals!
Time to Act: Ohio Property Tax Ballot Gains Momentum – What You Need to Know Now
In our last post, we shared news of a bold proposal to eliminate all property taxes in Ohio—a move that could completely reshape how we fund essential local services like schools, fire departments, and community infrastructure.
Now, things are moving fast.
The Ohio Ballot Board has given the green light, officially certifying the amendment as a single-issue measure. This means that Citizens for Property Tax Reform only need to circulate one petition to get it on the ballot. The clock is ticking, and petitions are already in circulation across the state.
Let’s be clear: this is no longer just a concept—it’s a potential reality. And while the idea of no property taxes might sound appealing, the deeper implications are serious. If this amendment passes, Ohio communities will face:
Severe cuts to public school funding
Major tax increases elsewhere to fill the gap
Uncertainty for municipalities already stretched thin
Even House Speaker Matt Huffman is calling this a “wake-up call” for lawmakers, pushing for meaningful property tax reform before the amendment reaches voters.
Now’s the time to speak up. Your voice—and your signature—matters more than ever. This isn’t just about taxes. It’s about what kind of Ohio we want to live in.
✅ Here’s how you can take action:
Find and sign the petition if you support eliminating property taxes
Contact your state lawmakers and urge them to present viable reform alternatives
Talk to your neighbors, school boards, and community leaders—this affects everyone
Stay informed as the proposal gains traction across Ohio
This issue is gaining momentum quickly. Whether you’re for or against the measure, doing nothing is not an option.
Want to understand how this could affect your home, school district, or local services? I’m just a message away. Let’s have the conversation—before the vote is on the table.
The real estate brokerage with a heart! Helping you as buyers and sellers in today's real estate market. RH2L is "Real Homes To Love" and your choice for professional real estate services in today's market! Office hours by appointment.
