Mr Meradith stated how he believed the seat of the bike was fixed too high - and that Ms Goodhall was unaware of the train until its horn sounded.
"She looked up to see what the horn was I think, that's where the realisation was, it was all over."
The train driver, travelling at about 20km/h, activated the emergency brakes but could not stop in time.
Earphones were found among Ms Goodhall's belongings at the scene - but it had not been confirmed whether she had been listening to loud music on her i-Pod, which was not found.
Tauranga Police senior constable Chris Hills told the inquest it was clear from evidence that Ms Goodhall had moved into the crossing without checking the way was clear.
"She may not have heard the crossing bells or horn blast from the train as it approached the crossing due to wearing earphones and possibly listening to music."
An inspection of the bike afterward also found there were "serious concerns" over the bike being too tall for Ms Goodhall.
Detective Roland Duytshoff suggested the crossing could be made safer by "in your face" lights and bells specially designed for pedestrians.
Ms Goodhall's widower, Allan Goodhall, said afterward the recommendation "resonated" with him.
"I think our family would welcome any review of how trains coming would signal for pedestrians at level crossings, to develop a greater awareness."
Coroner Wallace Bain reserved his findings into the death.