Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations already declare readOnlyHint=true and openWorldHint=true, so safety and openness are covered. The description adds that the estimate is 'public' and lists the returned content categories, which is useful. However, it says nothing about freshness/lag of the estimate, rate limits, or whether property_id must come from Redfin. Annotations carry the safety load, so a 3 is appropriate for the added but limited behavioral context.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.