Jennifer Sandison scrimped, saved and "sacrificed a lot" to get on the property ladder.
When she finally found her home, she fell in love with a "lush" tūī-laden kōwhai tree on the front berm, even burying her 12-year-old daughter's placenta underneath it, now that home was finally permanent.
On Friday, she returned home from a school trip to the beach to find the tree - which is on council land - had been cut down.
"We had a great day - up until returning home to the homicide of my tree."
On Tuesday Rotorua Lakes Council sport, recreation and environment manager Rob Pitkethley said the tree had a structural defect but the council was now considering reviewing its processes around communicating with the public about tree removals.
Sandison told Local Democracy Reporting she felt like she had "been burgled" when she saw the tree was gone.
She called Rotorua Lakes Council immediately for an explanation and also contacted mayor Steve Chadwick.
"It p***ed me off, they didn't communicate with me. I'm dumbfounded.
"It doesn't seem right. I want to know what was the rationale for cutting down a 30-year-old native tree?"
She said the only reason to fell the tree she could think of was if the tree was unsafe, but the "stump is healthy right the way through".
"It was quite a solid tree."
She felt the stump could now be a hazard for cars or people, and the best outcome would be for an apology and for the council to change its process.
Sandison said the council had also pruned the tree just a week before felling it.
A single mum to Mia, 12, Sandison said it was her child's "first introduction to local government".
On Tuesday a council staff member responded to Sandison and told her there was an "unprunable structural fault in the tree", she said.
She said the council staff member had apologised that there had been no communication with her about the decision to remove the tree.
"They insist they have done the right thing."
Sandison said she believed the tree was healthy and still disagreed with its removal.
Neighbour Kirby Cass said her young children had loved watching the tūī enjoying the kōwhai near Sandison's property.
"I was shocked. Had it been my tree I would have been disappointed.
"The issue is communication. I feel sorry the council didn't communicate to [Sandison]."
Council sport, recreation and environment manager Rob Pitkethley said trees in public areas needed to be removed due to decay or damage from time to time, for safety reasons.
He said the tree outside Sandison's property had a split at its base that was a "structural defect that could not be pruned out" and the other kōwhai that was removed was "heavily decayed".
The stump will be removed and a new kōwhai will be planted in its place during the planting season in autumn next year, Pitkethley said.
"Pruning took place before the removals because of an overlap of two work schedules. One crew carried out scheduled street tree maintenance and pruned the trees along [the] street.
"The kōwhai tree was then felled by a second crew that is responsible for the removal of trees."
Pitkethley said it had not been "usual practice" for the council to notify residents of tree maintenance or removal unless it could impact access to properties or was a health and safety concern.
"However, we acknowledge residents do appreciate the natural character of their neighbourhoods and are considering an improvement to the process providing information to residents about the reasons for tree removals."
In August, Tauranga City councillors voted unanimously to allow the removal of an avocado tree - thought to be at least 44 years old - on a suburban berm in the city.
In that case, property owners had proposed to remove the tree and were required to gain resource consent to do so, triggering a public feedback process.
According to the Department of Conservation, three species of kōwhai are listed as "naturally uncommon".
"This recognises their restricted ranges and suggests some level of conservation monitoring to ensure they aren't in decline."
Other species, while still relatively common, have "suffered significant loss of habitat through past forest clearance for agriculture", the department's website states.
Native birds such as the tūī, korimako, kākā and kererū all benefit from kōwhai, it said.
Comment has been sought from Predator Free New Zealand and Forest & Bird Rotorua.