" I have a 120v line to a toaster and it *returns* don a neutral, so I have 120 volts... then I have two 120v lines to my heater but one *returns* down the other but somehow I get 240v ? "
I'll start from the start-so to speak.
-Voltage is always measured 'relative' to something. Example- Take 2 9-v batteries, and connect - of one to + of the other, so yoiu have -.....+-.....+ Take a voltmeter (set to DC) and measure across the "-" to the "+-" and you get 9V. meas. "+-" to "+" and you get 9V. measure "-" to "+" and you get 18V. The "+-" is like the center tap of the transformer, so-to-speak.
The (2) 120V legs are AC, in this case each leg swings from +120 (that's actually a little off...) to -120.
If you had 2 legs "in phase", where one leg was at +120 at the same time as the other, you'd be measuring from +120 (ref. to 'ground') to
+120: the meter would read zero.
If you had 2 legs where one leg was at +120 at the same time the other was at -120V (180 degrees out-of-phase), you'd be measuring from +120 (ref. to 'ground') to -120: the meter would read 240V.
Those are the basics-
Dave