Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
With no annotations, the description must carry behavioral disclosure. It adds useful context: owner_occupied_pct is null if either component is absent, and census_year pins the 2021 reference period. However, it doesn't explicitly state this is a read-only operation, nor describe any other behavioral traits like error conditions or output format. It provides some transparency but leaves room for more.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.