A modular, solar energy system comprising one or more modular solar panels. The solar panels include a pair of general planar, plates that are secured together to form a narrow channel therebetween for the circulation of a liquid. The solar panels have inlet and outlet fluid lines in fluid communication via manifolds with a cold fluid supply line and a warm fluid return line, respectively. The plates are preferably constructed of aluminum and one plate has a photovoltaic cell matrix affixed thereto to face the sun. The plates have dividers or partitions that enhance the heat transfer characteristics with respect to the liquid flowing though the channel between the plates.