Kristin Cavallari had quite the terrifying story to tell her podcast listeners this week — and it involves an “HVAC guy” breaking into her house.

The 37-year-old former “Laguna Beach” actress spilled the tea in a Dec. 17 episode of her “Let’s Be Honest with Kristin Cavallari” podcast, explaining that it was “one of the scariest things” she has ever experienced in her life.

“My kids still do not know [this] to this day,” she said of her three children, sons Camden, 12, and Jaxon, 10, and daughter Saylor, 9, whom she shares with ex-NFL quarterback Jay Cutler.

It all went down in 2020 during a vacation to the Bahamas, where Cavallari and her family were forced to stay for a full month due to COVID-19 restrictions.

As luck would have it, the HVAC unit to the house they were staying in broke, requiring the help of a professional HVAC company.

So, they called a company and had them fix the unit with no issues — until later that night.

(Warning: The video below may contain language that some people find offensive)

After falling asleep next to Camden, who was 8 years old at the time, Cavallari woke up to her bedroom door opening and an unknown man crawling on her bedroom floor.

“I was so out of it because obviously I had just woken up,” she explained on the podcast, adding that it clearly wasn’t Cutler on the floor. “And I go, ‘What the f— are you doing?’”

The man, who she says was dressed in all black with a ski mask on, then stood up and ran out the door.

“Because Cam was in the bed with me, I didn’t yell. I didn’t scream,” she said, adding that she felt like she was in “Mission Impossible.”

“You think in those moments that that’s what you’d do, but your instincts just kick in,” she added.

Cavallari says she was calm for her kids — until she wasn’t

Once the mystery man ran out of the house, Cavallari rushed to notify her then-husband — Cavallari and Cutler finalized their divorce in 2022 — before the weight of the situation took over. 

“Then I start [to get] like, really scared. I started shaking, and I was able to process then what just happened,” she said. 

“But until that point, I was not scared. I was really calm. You just are running off of instinct,” she added. 

She goes on to explain that the man, who happened to be one of the HVAC workers from earlier that day, “took all of the cash that we had in a backpack” before running off.

“We ended up getting it back,” she continued.

As for why she hasn’t told her kids about the ordeal, including Camden, who was asleep in the room during the incident, Cavallari says she will likely wait until they’re adults.

“I just think some things kids do not need to know. And scary stuff like that, I will take that one,” she said.