The man added: "We've been living week to week at the moment, so this will make our Christmas - and many Christmases to come!"
It was an unusual situation, said NZ Lotteries' chief executive Todd McLeay. Most big prizes were claimed within a fortnight of being drawn.
Winners have up to a year to uplift their prizes.
He said the largest unclaimed Lotto win at present was a $333,333 first division prize sold at Tamatea Pak'nSave in Napier for the September 3 draw.
Unclaimed prize funds were eventually transferred to NZ Lotteries' prize reserve fund.
In another happy prelude to the Christmas season, a player in the Tauranga suburb of Bethlehem had won $54,525 - made up of $17,100 Lotto second division plus $37,425 from Powerball, said Mr Todd.
Fifteen other tickets from around the country also won $17,100 in second division at the weekend.