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, red bell pepper, green onions, minced garlic, smoked paprika, cumin, salt, and black pepper. Mix until all ingredients are evenly distributed.
04 - Transfer the mixture into the prepared baking dish, spreading it into an even layer. Sprinkle the remaining cheddar cheese evenly over the top.
05 - Bake on the center rack for 20–25 minutes, or until the edges are golden brown and the dip is bubbling throughout.
06 - Remove from the oven and allow the dip to rest for 5 minutes. Garnish with fresh chopped cilantro if desired.
07 - Serve warm alongside tortilla chips, toasted baguette slices, or crisp vegetable sticks.