Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already indicate readOnly, idempotent, and non-destructive behavior, so the bar for additional disclosure is lower. The description adds meaningful behavioral context: it geocodes an address, resolves the parcel, returns a specific bundle of attributes, and explicitly discloses source provenance ('Zoning, setbacks and building facts carry the city/county source they came from; geocode, lot geometry and assessor records do not'). It also mentions the 30-day cache behavior through the forceRefresh parameter, which is beyond the annotations.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.