Should I disclose maintenance and assessments in the listing description?

Yes - disclose all financial details upfront. Buyers will discover maintenance, flip tax, and active assessments during due diligence regardless. Hiding these facts does not prevent the conversation - it delays it to a point where the buyer has leverage to retrade. Proactive disclosure builds trust, pre-qualifies buyers who can afford the carrying costs, and eliminates the most common source of post-offer negotiation leverage.