By AAP 03 Jan 2020 18:27

Surf lifesaver Kelly Dobrow (pictured) waded into Conjola Lake with a rescue surfboard and watched her family's 50-year-old holiday home burn to the ground.

Her brother and co-owner of the NSW south coast house had the same view, via a video call with her from Sydney.

"He kept phoning me, and I said, 'Oh, let me Facetime you' and we just watched the whole house burn down," she said.

"It was quite surreal – he was sitting in his kitchen watching it all happen."

The lakeside timber home, built by Ms Dobrow's father in 1974, was one of at least 89 destroyed in Conjola Park when a flank of the massive Currowan fire swept through the hamlet on Tuesday.

Ms Dobrow's three sons and mother evacuated as she tried in vain to defend it.

"It was sad but I knew it was going to happen," she said.

"We had no fireys in the street, a lot of the neighbours did the best they could, putting out spot fires with hoses.

"It was so ferocious and quick."