Many people have some valve regurgitation. Especially the mitral valve often shows some regurgitation.
When regurgitation is classified as moderate or severe you will need at least 1x/year monitoring to check if it progresses and if it affects the heart chambers.
For mild and trace that is not needed.
Regurgitation can stay stable during decades and never cause problems.
It is hard to tell why it was not found 10 years ago, it probably was not there at that time, but don't let that worry you too much.
There is a wealth of info on the internet on this, for instance:
http://www.mayoclinic.org/diseases-conditions/mitral-valve-regurgitation/symptoms-causes/dxc-20121850
Almost always trace, mild, etc. valve regurgitation is considered medically insignificant. It indicates some mild backflow of blood from the lower pumping chamber into the upper chamber. You are young and shouldn't have any calcification of the valve opening or the leaflets.