Flames damaged the exterior of the back wall of a house in Southey St, Awanui, but it could have been a great deal worse.
The occupant was at work when smoke was noticed by some tourists from the main road on Saturday morning.
When the tourists found no one at home they alerted the neighbours, who tackled it with a garden hose.
"They did a brilliant job," Kaitaia Fire Brigade deputy Chief Fire Officer Ross Beddows said.
"By that stage the flames were getting into the eaves, and it would not have taken long to start doing major damage."