"It had quite a dirty smell. And then I saw the flames had got quite high, about a foot. It wouldn't have been nice at all if it had went up any further.
"I was just a coincidence that I decided to do some gardening. Imagine if I'd not been home, or if I'd been in the sitting room on the other side of the house?"
Ironically, Tina shares her home with a firefighter - Tina's husband is a member of the Masterton Fire Service, and was out cycling when the incident took place. "This is a fireman's house, and it caught fire," she said. "And now all my husband's workmates are here putting it out. But it's just old houses for you. This house is very old, and the wood its quite dry."
Masterton Fire Service station officer Garry Nielsen suspected the fire was caused by an ember from the indoor fireplace, which had been blown on to the verandah in the wind.
"She was very lucky she was home at the time," said Mr Nielsen.
"Any fire has the potential to take off, especially in the wind."
The small fire was out in "about two seconds", he said.
Tina's home sustained minimal damage in the fire.
She said she was "very happy" with the response from the firefighters.
Meanwhile, shortly after midday, Carterton firefighters were called to deal with a hedge fire on Carters Line East.