Alexandra Norman was sitting on the verandah when a huge storm cell rolled over Yarra Brae on Tuesday.
The property on Norman Road, between Carroll and Breeza, usually misses out on rain when it clouds over, but this time it was hit with the full brunt of a ferocious storm.
The Normans weather station clocked winds of up to 140km/h, bringing with it 90mm of driving rain and small hail.
Mrs Norman said she had not long put her daughter down to sleep when a crack of lightning woke the baby and by the time she returned to the living area, the storm was in full swing.
Small hail bounced off the verandah, rain poured in through the bottom of the glass doors and the outdoor table was "spinning" so Mrs Norman sheltered in the hallway with her daughter, well away from any windows.
"It was basically a tornado," she said.
"I was still shaking an hour or two later. You don't expect it. You're not prepared.
"It wasn't even on the radar ... it just seemed to start out of nowhere, its own little cell. It hovered over us the whole time then headed north ... it did its destruction and left. It was very intense."
The storm wrecked havoc on the farm, throwing the contents of the Normans verandah out onto the lawn, uprooting trees, blowing out the sides of sheds and damaging cotton crops.
Mrs Norman said they did a clean-up the next morning and there were "chairs spread between here and neighbour's places and tin over the stock route".
"We lost our outdoors dining, suite, barbecue and outdoor fridge - it spun around and went flying off the verandah," she said.
"We lost trees ... there were bits of tree limbs staked into the ground two or three inches deep, so you wouldn't have wanted to be out there, that's for sure."
An insurance assessor will visit the property on Thursday to gauge the damage to the cotton crops, which were hit by a hail storm just a month ago.
Mrs Norman said it's the most rain that has fallen on the property in years.
"Usually, the storms split around the Mooki and go around us and go Breeza and Carroll way," she said.
The Normans' neighbour Shelley Johnston told the NVI that 40mm fell at Lalagooli but less than 20km away at Breeza Station, only 1mm was recorded.