Evaporation from wet-canopy (EC) and stem (ES) surfaces during rainfall represents a significant portion of municipal-to-global scale hydrologic cycles. For urban ecosystems, EC and ES dynamics play valuable roles in stormwater management. Despite this, canopy-interception loss studies typically ignore crown-scale variability in EC and assume (with few indirect data) that ES 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 EC and ES 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 ES (0.10 mm h−1) was significantly lower (p<0.01) than mean EC (0.16 mm h−1). But, ES values often equalled EC and, when scaled to trunk area using terrestrial lidar, accounted for 8–13% (inter-quartile range) of total wet-crown evaporation (ES+EC scaled to surface area). ES 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.