Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover the safety profile (readOnlyHint, idempotentHint, non-destructive, openWorldHint=false), so the bar is lower. The description adds real behavioral context beyond them: the hard horizon ceiling of seven periods, the settled-index anchor, the method (smoothed repeat-sales index), and the explicit disclaimer that this is not a property valuation, which guards against misuse as an appraisal tool.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.