I've heard many stories specifically about Hubzu pictures not telling the whole story about the condition, and not disclosing situations like mold in the description even when it's obvious. 

All of those descriptions being relative of course.

Without a detailed description , or pictures .

It would be wise to review it with your Real Estate Attorney as well.A general description of, in the US, those two requirements I mentioned 1. 

I like your description of it being a "journey".

I found a Park on craigslist last year with a very vague description and one sentence.  

@Jason MoranGet a copy of the Current Employer SPDOne way of determining if your current employer will allow you access your retirement funds while still working for them, is to check the summary plan description (SPD) for the existing plan.

Must I change the MLS description to disclose this fact?

This is a very basic description, but there are tons of videos on Youtube to help you through a basic eval.

The FICO® score treats all of these descriptions that appear on credit reports as serious delinquencies, so they have an impact on the score similar to the impact from a charge off, tax lien or account included in bankruptcy.