A fluid quality sensor includes a first electrode (24) that has a fluid passageway (22) that is adapted to be placed in line with at least one fluid conduit (30). A second electrode (40) is supported within the fluid passageway (22) and electrically isolated from the first electrode (24). The first electrode (24) and the second electrode (40) operate as a capacitor for making fluid quality determinations. A disclosed example includes a temperature sensor (50) thermally coupled with a mounting member (42) that supports the second electrode (40) within the first electrode 24. A disclosed example includes a multiple piece first electrode that allows for at least a portion of the second electrode (40) to be exposed and accessible near one end of at least one piece of the first electrode during a selected portion of an example assembly process.