She and her rear neighbours, Mike Lynch and Ngaire Chamlet, informally share their gardens and she does not like to think what would have happened if they had been out there.
The Wellington trip was also fortuitous, because her car is normally parked at the rear of the house.
"It would have been smashed and I do love my car."
She said her parents had just arrived - dad with a chainsaw and mum with a pair of loppers.
"Dad said: I think it's a bit big for us."
Although the tree does not appear on the Combined Wairarapa District Plan's notable tree list, she believes it was the biggest example of a honey locust in the district.
Ms Cathie has lived in the house for four years and has the tree's official paperwork - which she will now frame.