01 - Preheat oven to 375°F. Lightly grease an 8x8 inch baking dish.
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 blended.
03 - Gently fold in the corn kernels, diced jalapeños, bell pepper, green onions, minced garlic, smoked paprika, ground cumin, salt, and black pepper until evenly distributed.
04 - Spread the mixture evenly into the prepared baking dish. Sprinkle the remaining cheddar cheese over the top.
05 - Bake for 20–25 minutes, or until the dip is bubbling and the edges turn golden brown.
06 - Remove from the oven and let cool for a few minutes. Garnish with fresh chopped cilantro if desired. Serve warm with tortilla chips, sliced baguette, or fresh vegetable sticks.