Spent the morning clearing out the side yard after all the rain last week and there was about two inches of standing water pooled against the fence. Went to move a busted old planter out of the way and noticed a gray wire coming down from the eaves, end stripped bare, dangling right at the water line. definitly did not touch anything at that point.
Killed the main breaker before I went back out, taped the end off with some rubber tape I had in the garage, and coiled it up onto the fence bracket so it's well above any future puddles. Once it was safe I traced it back and it turns out it used to feed an old garden light the previous owner ripped out years ago. Wire was still hot the whole time, just sitting there waiting for someone's dog or a kid to find it.
Called an electrician to come cap it off properly at the junction box this week, since I'd rather not trust my tape job long term. But honestly the timing got me. One more step in the wrong spot in flip flops and this post would have a very diferent tone.