Terra Fine currently lives and works in Bellingham, Washington with her husband. Fine was born and raised in rural northern Minnesota, near the small town Nevis. Living among this isolated natural splendor gave rise to Fine's keen observation skills, attention to detail, respect of all life, and sensual style.

Traveling for many years, Fine eventually went on to earn a B.A. in Fine Art, with an emphasis in Sculpture and a minor in Psychology from Western Washington University in Bellingham, WA. To compliment her formal art education, Fine also apprenticed with artist Scott Jensen. Jensen, a wood-carver for over 30 years, specializes in the native Northwest Coastal Tlingit design and tool use.

Unlike artists who specialize in one medium, Terra Fine has worked with multiple forms of creative expression (including pasel, charcoal, bronze, wood, video, photography, installation, and audio), which allows for greater freedom in the planning stages of art creation. By being able to choose from her arsenal of artistic disciplines, Fine's ideas and conceptual visions can manifest in whatever fashion is most appropriate, instead of being restricted to the typical artist's singular medium. Fine uses this mixed-media approach to engulf the viewer in a fully sensual experience.