A Snarkling very helpfully sent me a link to explain "urban fantasy". I slunk over for a read.
I about dropped my coffee cup.
Turns out I sold a book that is exactly that!
Which just goes to show you don't have to know what it is to:
1. love it
2. take it on
3. describe it
4. sell it
What a hoot!
And no, I don't take SFF at all, so how I ended up with this can only be explained by the first great rule of Snark: writing trumps all.