Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare that this is a read-only, idempotent, non-destructive, closed-world operation. The description adds meaningful behavioral context beyond that: data provenance, licensing, the distinction between new-lease medians and advertised rents, and the fact that answers include quarter, source line, and source limits.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.