In theory the differences are for the owner to sort out, as he/she is the one who needs to make sure that it is above board and legal. But I can see why you would be concerned that it could have an affect on your visa. The owner of a flat can swap fairly easily between the two, it’s just a question of some bits of paper. So if it was a meublé de tourisme previously doesn’t mean it can’t be used as a meublé now.
I guess the way to tell is whether the owner has discussed the fact that after 1st Jan you will have to pay taxe d’habitation? As with a meublé it is down to the renter to pay it. If it’s a meublé de tourisme then the owner pays it (or a different tax called CFE).
This shows the difference between the two.