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 vigorously until the mixture is smooth and uniformly combined.
03 - Gently fold in the corn kernels, diced jalapeños, red bell pepper, green onions, minced garlic, smoked paprika, ground cumin, salt, and black pepper. Mix until all ingredients are evenly distributed throughout the creamy base.
04 - Transfer the mixture into the prepared baking dish, spreading it into an even layer. Scatter the remaining cheddar cheese evenly across the top.
05 - Bake for 20 to 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 chopped fresh cilantro if desired. Serve warm alongside tortilla chips, toasted baguette slices, or crisp vegetable sticks.