Evaporation from wet-canopy ( E C ) and stem ( E S ) surfaces during rainfall represents a significant portion of municipal-to-global scale hydrologic cycles. For urban ecosystems, E C and E S dynamics play valuable roles in stormwater management. Despite this, canopy-interception loss studies typically ignore crown-scale variability in E C and assume (with few indirect data) that E S is generally < 2 % of total wet-canopy evaporation. We test these common assumptions for the first time with a spatially-distributed network of in-canopy meteorological monitoring and 45 surface temperature sensors in an urban Pinus elliottii tree row to estimate E C and E S under the assumption that crown surfaces behave as “wet bulbs”. From December 2015 through July 2016, 33 saturated crown periods (195 h of 5-min observations) were isolated from storms for determination of 5-min evaporation rates ranging from negligible to 0.67  mm h - 1 . Mean E S (0.10  mm h - 1 ) was significantly lower ( p < 0.01 ) than mean E C (0.16  mm h - 1 ). But, E S values often equalled E C and, when scaled to trunk area using terrestrial lidar, accounted for 8–13% (inter-quartile range) of total wet-crown evaporation ( E S + E C scaled to surface area). E S contributions to total wet-crown evaporation maximized at 33%, showing a general underestimate (by 2–17 times) of this quantity in the literature. Moreover, results suggest wet-crown evaporation from urban tree rows can be adequately estimated by simply assuming saturated tree surfaces behave as wet bulbs, avoiding problematic assumptions associated with other physically-based methods.