"I had a look and there was this woman screaming outside. [She was] wearing a robe, just running down the street. I saw a man running around banging on doors,'' she said.
"I looked up and there was a massive blaze up the hill. It was just so distressing. We called the cops around 1.30am. We called the firemen. The house was already ablaze. We weren't sure if there were fatalities - if anyone had got out."
Huge flames could be seen from afar and windy weather added to the panic, Jo said.
"Everyone was frantic. It was just horrible.
"There were big trees and the trees were catching on fire. And the wind was really strong."
Residents rallied around, providing coffee and helping anyone who needed support.
Jo praised firefighters, who stayed at the house for several hours.
She called the man who alerted neighbours a hero.
"He was shouting to just get out - alerting the neighbours who were close to the house. His partner said their CCTV camera had caught the flames signal."
The house is now a shell of what it was.
Authorities are yet to reveal the exact cause of the blaze.