Amie Louise Russell drowned after she fell from her board in the Whangamata harbour and was sucked beneath a moored yacht on Wednesday.
She had been wearing a belt pouch with a life jacket.
The Morrinsville teenager had been holidaying with her family and her best friend in the popular beach town before the accident.
She was an accomplished basketball player on her way to bright things.
Last year, she represented New Zealand in the under-16 girls basketball team and played for the Waikato region in four different teams.
"Her passing will be a huge loss for women's basketball in this country," her parents said in a statement.
It's agonising to see all that potential lost in a freak accident.
Her death spurred police to issue a public warning.
They said the incident was a reminder of how quickly things could go wrong in the water and urged people to take the time to identify what tides and currents were doing and to never underestimate the power of moving water.
On page 7 of today's paper, Bay of Plenty Times Weekend reporter Dawn Picken canvasses the views of instructors and newbies about the gear and knowledge you need before hitting the water on a paddle board, canoe, kayak and even a boogie board.
Having already clocked about eight hours on the water, she joined a weekly Wednesday morning group with an instructor.
She found she had already committed rookie sins during a single holiday trip: not carrying a communication device and not checking wind speed before venturing into a harbour.
The mistakes are not uncommon.
Commenting on last year's drowning toll, Matt Claridge, general manager of Water Safety New Zealand, said the need for children to learn swimming and survival skills was fundamental to a reduction in drowning.
A significant roadblock to this is that no single government agency takes ownership of this important task.
Several have an interest but no teeth are applied to a solution, Claridge said.
While it would be good for a single agency to take responsibility for improving the situation, Kiwis also need to do more individually to ensure water safety is part of their general knowledge.