it sounds like it's not a quilt yet- it is a quilt top- and should be listed that way- a quilt is 3 layers held together with stitching. (according to webster's anyway)
if you list it take good pictures showing the flaws and be sure to list the measurments and the condition. be sure to be precise- to avoid someone returning it unhappy.
if you show us pic's we may be able to (date) the fabrics for you which might help with your sale