Radiant surface conditioning systems based on capillary tube mats not only provide high standards of comfort, but they also generate substantial energy savings. These systems allow for using renewable energies such as solar thermal panels because they function with water at moderate temperatures—lower in winter and higher in summer—compared to fan-coil systems or hot water radiator systems. Moreover, in summer, they can be combined with solar cooling systems based on lithium chloride or absorption systems based on lithium bromide, which enable the cooling of water at 15–16 °C by means of solar thermal panel energy collection. This further reduces the annual energy. The purpose of this study was to examine the application of thermal ceramic panels (TCP) containing prolipropylen (PPR) capillary tube mats, in residential buildings in the Spanish Mediterranean. The water distribution system was set up individually from a heat pump and was combined with a community system of solar thermal panels. After monitoring a home over a complete one-year cycle, the annual energy demand was quantified through simulations, based on both the radiant system and the VRV system, as well as in combination with a thermal solar panel system. TCP panels reduced the annual energy demands by 31.48%, and the additional investment cost of €11,497 could be amortized over 23.31 years. The combination of TCP panels with 18.5 m2 of solar thermal panels reduced the annual energy demand by 69.47%, and the investment of €20,534 of additional cost could be amortized over 15.67 years. The energy consumptions of installation elements were also comparatively quantified.