Setting the Stage: Preheat your oven to 375°F. Generously grease either one large or two smaller bread loaf pans.

Beginning with the Base: In a mixing bowl, combine the cream cheese and butter until smooth and creamy. Progressively incorporate the sugar, followed by the eggs and lemon zest, ensuring the mixture is light and fluffy.

Preparing the Dry Mix: In a separate bowl, whisk together the flour, baking powder, salt, and if you're using, the cinnamon.

Combining Wet & Dry: Alternating between the dry ingredient mix and the milk, slowly introduce them to the cream cheese mixture, mixing until just combined. Gently fold in the diced peaches.

Baking Time: Transfer the batter into your prepared loaf pan(s). If you're baking one large loaf, keep it in for 50-55 minutes. If you've opted for two smaller loaves, adjust your time to 45-50 minutes. The loaf is ready when an inserted toothpick or skewer comes out clean.

Cool Down: Once baked to perfection, take it out and allow it to cool before slicing.