We argue that the `changing look AGN recently reported by LaMassa et al. could be a luminous flare produced by the tidal disruption of a super-solar mass star passing just a few gravitational radii outside the event horizon of a $sim 10^8 M_{odot}$ nuclear black hole. This flare occurred in a massive, star forming galaxy at redshift $z=0.312$, robustly characterized thanks to repeated late-time photometric and spectroscopic observations. By taking difference-photometry of the well sampled multi-year SDSS Stripe-82 light-curve, we are able to probe the evolution of the nuclear spectrum over the course of the outburst. The tidal disruption event (TDE) interpretation is consistent with the very rapid rise and the decay time of the flare, which displays an evolution consistent with the well-known $t^{-5/3}$ behaviour (with a clear superimposed re-brightening flare). Our analysis places constraints on the physical properties of the TDE, such as the putative disrupted stars mass and orbital parameters, as well as the size and temperature of the emitting material. The properties of the broad and narrow emission lines observed in two epochs of SDSS spectra provide further constraints on the circum-nuclear structure, and could be indicative that the system hosted a moderate-luminosity AGN as recently as a few $10^4$ years ago, and is likely undergoing residual accretion as late as ten years after peak, as seen from the broad H$alpha$ emission line. We discuss the complex interplay between tidal disruption events and gas accretion episodes in galactic nuclei, highlighting the implications for future TDE searches and for estimates of their intrinsic rates.
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