Homes here in The Villages have your water pipes in the slab. They are not insulated and there is not a return loop. The slab is a huge heat sink and will quickly remove the heat from the hot water pipes. A 4 year old Villages home does not have copper pipes...so perhaps you are speaking of a home outside The Villages...but it does not matter the type of pipes you have. You do not say if you have a water heater tank or tankless.
If you have a tank, you can add a recirculating pump rather easily. The two main brands are Grundflos and Watts. A plumber will install these for around $600-$700, or you can do it yourself for about half that.
There are MANY threads here on TOTV on this subject.
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Florida licensed Home Inspector #HI688. (352) 250-7818
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