Zaza Silk, whose swimming pool was left lying on the beach after erosion at Collaroy, has told Network Ten's The Project she is devastated.
Ms Silk moved into the beachfront home three years ago using inheritance from her mother, and kept an urn of her mother's ashes in the yard, which was also the resting place for her recently-departed dog.
As rough seas moved in she watched as the yard was washed away, in a situation she says the Council could have stopped.
"There was a big crack in the ground and then that started going beneath us, and slowly the sea encroached upon our property," Ms Silk said.
"The Council have known about this for a long time, and they should've put a wall up before then. They've known that the land there is unstable ... this could have been avoided."