The current version of my fursona comes from my Second Life Avatar. The one I had before that came from a drawing I made specifically for that purpose. So I suppose... technically yes, maybe? Though honestly, I'd still picture it in my mind anyway.
Kind of related, I have other character ideas that I've been working on for story purposes. Most of them currently don't have any visual representation, and the one's that do are totally subject to change. So I think whether I see it as complete or not is separate from whether the art is done. Completing the character design non-visually will aid in figuring out how to represent them visually. Though the creative process flows in both directions.