So I am confused could I yield a 48volt system then? Or just 24volt?
Yes you can create a 48v system, if you wire two panels (or more) in series.
Depending upon your MPPT specs, you may be able to wire more than 2 in series. But you must NOT exceed the input volts for the MPPT. For example, if your MPPT can accept 300V input, you cannot wire panels in series that would exceed or get too close to that. If you do, poof, the magic smoke comes out of your MPPT and you must replace it.
In that example, if you intend to input more than about 250V, you will want to use a temperature calculator to make sure that cold weather wouldn't cause you to exceed 300V. Cold temps will cause solar panels to produce higher voltage.
Use the open circuit voltage (Voc) in your calculations for voltage.
Since you have four panels, you could do one of these two configurations:
1) 2s2p: Two panels wired in series, then another two wired together in series. Then wire the two sets in parallel. This will give you about 100v and 26A. Actual output would be more like 84v and 26A, but use the 100v as a safety measure to not exceed your MPPT input.
2) 4s: Wire all four panels in series. This will give you about 200v and 13A. Actual output would be about 168v and 13A, again use the 200v number as a safety margain to not exceed your MPPT input.
The first option would require thicker cabling, due to the higher amps. Each has it's pros and cons. 4s would be fine if you don't have any shading issues. In ideal conditions, both configurations will produce about the same amount of power.