"They're in the house, they broke the glass door," she says.
"I'm in the house. I'm in the room near the backyard. I locked myself in and I'm inside a closet."
The operator tells Kate to stay there, don't hang up and how she is doing a great job before asking her to describe the burglar.
"Yes I saw (him). A man with black hair, he was wearing gloves, he has like a black jacket on. (He's aged) around the mid-30s to 40s," she says.
"Please come quick."
Dandenong crime investigation unit detective Senior Constable Steve Woodhouse said he was "incredibly proud" of Kate's bravery.
"Calling 000 in an emergency is such an important lesson to teach children. It's a lesson that can never begin too early," he told the Leader.
Her 19-year-old brother Mike said they had lived in the area for about a year, but were now planning to move because the previous owner had also been burgled.
A 46-year-old Springvale man was charged with aggravated burglary, possessing a controlled weapon and breaching bail.
He was remanded to face Dandenong Magistrates' Court later this month.