Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already cover safety (readOnly, idempotent, non-destructive, closed-world), so the description's added value is its disclosure of data scope: MLS sales since 2021 and a median price/sqft computed only where five or more sales allow, and the 'facts about places only' framing that rules out subjective content. That is genuinely useful beyond the structured fields.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.