The fabrication and characterization of a surface plasmon resonance (SPR)-based urea biosensor, with thin silver (Ag), ITO (In2O3: SnO2), and enzyme-trapped gel over an unclad portion of plastic-clad silica fiber as a sensing element, is represented. The working principle is to identify changes in the refractive index of the enzyme (urease) entrapped gel layer following the interaction with the incoming analyte. This interaction causes swelling and shrinkage of the gel layer, which alters the effective refractive index of the sensing layer. The wavelength interrogation method is used, and the optimized sensor probe is characterized by urea samples having different pH values. Scanning electron microscopy confirmed the uniformity of the silver layer over the unclad core of the fiber. The sensor operates from 0 to 160 mM of urea concentrations to cover the physiological concentration range of blood urea normally present in the human body. The sensitivity and limit of detection (LOD) offered by the sensor are marked 0.59387 nm/mM near zero concentration of the urea sample and 0.56 mM, respectively, along with the provisions of high stability, remote sensing, and online monitoring of urea. The proposed sensor has proven to be one of a kind due to its fast response time.