"She's very lucky to still have a home," Mr Taylor said.
He estimated at least half a hectare of vegetation had burned. If the flames had reached bush which stretched all the way to Te Puna Inlet, it could have been a "million-dollar fire", meaning it could have cost that much to put it out.
An investigation is under way but the blaze is likely to have started from an old rubbish fire fanned back into life by wind and high temperatures.
A total fire ban is in force in the Far North.
At edition time yesterday, the Rawene Fire Brigade was fighting a similar vegetation fire threatening a house on Parnell St, Rawene's main road.