Urban trees provide critical ecosystem services in dense city environments, yet current workflows for monitoring their thermal behaviour remain confined to 2D desktop-based analysis with no three-dimensional spatial context or field-deployable visualization capability. This paper presents a complete pipeline for in-situ 3D thermal mesh visualization of urban trees in Augmented Reality (AR), combining Thermal InfraRed (TIR) image acquisition, Gaussian Splatting-based mesh reconstruction, quantitative validation, and mobile AR deployment. TIR images of a <em>Tilia tomentosa</em> acquired with a FLIR T560 camera are preprocessed with a standardized false-colour palette and fed into the MILo (Mesh-In-the-Loop Gaussian Splatting) framework to reconstruct a thermally attributed 3D mesh. Geometric evaluation against a Z+F IMAGER 5016 TLS reference using the M3C2 algorithm demonstrates that MILo recovers 13.5 times more canopy geometry than traditional multi-view stereo under thermal imagery, with a standard deviation of 4.0 cm. A colourmap inversion procedure recovers per-vertex temperature estimates from the GS-derived mesh colours, yielding a mean absolute difference of 0.7°C against direct T-Cam measurements (thermal camera mounted on the laser scanner), within the combined instrument accuracy of both sensors. The resulting thermal Gaussian Splat was deployed in a custom Android AR application supporting hybrid marker-based and GPS-based spatial anchoring for in-situ visualization. These results demonstrate the technical feasibility of GS-based thermal reconstruction and mobile AR as a medium for communicating three-dimensional canopy thermal information to educators and urban forestry practitioners.