Raised in Kamloops, British Columbia, Urban played both soccer and ice hockey during her high school years.

[1] Having joined the Toronto Varsity Blues women's ice hockey program in autumn 2007, Urban played for head coach (and former Winter Games gold medalist) Vicky Sunohara from 2010 to 2012.

In her final season with the Varsity Blues, Urban was a nominee for the 2012 University of Toronto Female Athlete of the Year Award.

[4] The following season, Urban joined the Calgary Inferno, helping the squad qualify for the postseason for the first time in franchise history.

[5] After taking a short break from the CWHL, Karolina was signed as a free agent with the Markham Thunder for the 2017-2018 inaugural season.

The Markham Thunder went on to win the Clarkson Cup after upsetting the Montreal Les Cannadiennes in the first round and beating the Kunlun Red Star 2-1.

[9] A 9–1 win against Switzerland on June 24 saw Urban and Chelsea Purcell both gain the assist on a goal scored by April Drake.