The owners, the children's grandparents, were out when they got a call saying get home quick because the house was on fire.
Speaking to the Bay of Plenty Times on the basis that they were not named, the owners said they were stunned by the rapid spread of the fire, which left their newly rebuilt kitchen and bathroom a charred mess.
The couple said they had spent years converting the batch into what they planned would be their retirement home.
"There's not a lot left to salvage," the husband said looking at the remnants laid out on the front lawn.
His wife said what happened was exactly like the TV advertisement when all the flammable stuff exploded in flames. It had been a panic situation for her family, but they all got out safely along with two cats.
The Salvation Army was now looking for a rental for the family to move into because they did not want the oldest boy, aged 10, to change schools. The oldest boy was not at home when the fire started, leaving two children aged two and four to cope with the drama.
Looking at the gutted mess, the owners bitterly remarked that it was the ultimate in indoor/outdoor flow.
"It just sucks," she said.
They were initially puzzled by a metal frame left behind in the destruction of the kitchen until they realised it was what was left of a kiddies' high chair.
"It was a very sobering moment," she said.
Precious family mementos and photos were lost in the blaze and they were now pinning their hopes that a salvaged CD of downloaded photos was playable. Otherwise they have lost everything of sentimental value.
"It was just a beach bach but it was what we wanted," she said.
The owners were insured.
It took about 20 minutes for two fire trucks from the Mount Maunganui and Papamoa stations to bring the blaze under control, with Papamoa volunteers still there four hours later dampening down hot spots.
The cause of the fire was being investigated.
