01 - Preheat oven to 375°F. Lightly grease an 8×8-inch baking dish with nonstick spray or butter.
02 - In a large mixing bowl, combine the softened cream cheese, sour cream, Monterey Jack cheese, and half of the cheddar cheese. Stir until smooth and well incorporated.
03 - Gently fold in the corn kernels, diced jalapeños, bell pepper, green onions, minced garlic, smoked paprika, cumin, salt, and black pepper until evenly distributed throughout the mixture.
04 - Transfer the mixture into the prepared baking dish, spreading it into an even layer. Sprinkle the remaining cheddar cheese over the top.
05 - Bake for 20–25 minutes, or until the dip is bubbling vigorously and the edges turn a deep golden brown.
06 - Remove from the oven and allow the dip to rest for 5 minutes. Garnish with freshly chopped cilantro if desired.
07 - Serve warm alongside tortilla chips, sliced baguette, or crisp vegetable sticks.