We've eaten here twice (dinner and lunch), and both times, we had a wonderful experience. During the dinner there was live music with a duet. The food is very very good, probably the best Urbana has to offer, and the staff was very friendly and helpful.
I can only assume that the low ratings are due to the price, which is not the lowest that Urbana can offer, but the prices are not unusual for such a beautifully decorated and highly refined Tapas restaurant, I've paid more for lesser Tapas food in La Jolla CA and in other cities.