..

This sounds like a case where deep-water swells ran onto a shallow bar or
entrance.
-Paul- Hide quoted text -



Yes. Good call. Add to that missing the high tide and trying to cross
with the tide running out. swells got steep, even steeper with
outgoing tide, troughs really brought the depth down, bump thud
Wut ?!......................... the rest is history.

Excellent assumption on your part.