NO. All you need to say is that you it took you a bit to develop academically (which your current work shows). Plus, this should be a tiny 'paragraph' in you SOP. It should be mentioned, but the SOP should illustrate past/present matters as they relate to your application and illuminate your potential for PhD work, not focus on problematic matters of the past.
IF a school requires a diversity statement or personal statement, then you can address overcoming hardships. Again, be careful here to not create a sob story. These are very tricky to write.
So, no, I wouldn't get into the disadvantages. I had a 3.16 undergrad GPA, with a brutal first two years. I addressed it in my SOP and emphasized that it was a thing of the past. I too did a master's with a solid GPA, like you, and therefore, it was self-apparent. It wasn't, "I promise I'll do better." It was "Look, I've done better. My trajectory has changed."
That strong graduate GPA will really allow adcomms to look past the undergrad.
Best of luck.