Tea garden irrigation suffers from time delays, nonlinear interference, and phenological biomass fluctuations caused by plucking, leading to the failure of traditional Proportional–Integral–Derivative (PID) and fixed-threshold models in precise water supply. This study proposes a precision irrigation system for smart tea gardens integrating Phenology-Aware Collaborative Decision-Making and an Adaptive Gain Predictive Super-Twisting Sliding Mode Control (AG-PSTC) algorithm. A “temperature–time–water” phenological reference model was constructed, and Crop Water Stress Index (CWSI) was introduced to decouple shoot density changes into phenology-driven and water stress components, realizing dynamic target soil moisture (W_target) setting. The AG-PSTC algorithm combined an improved Smith predictor for phase compensation and a barrier function-based adaptive super-twisting term for chattering elimination and finite-time convergence. Simulations showed AG-PSTC reduced rise time by 78% and steady-state error by four orders of magnitude compared with PID, with robust performance under ±40% time-delay perturbation. Field tests confirmed the system suppressed false irrigation during plucking, with soil moisture standard deviation within 1.51%. This study provides a vertical integration framework from crop physiological models to precision control, promoting the transition of tea garden irrigation from experience-based to demand-based.