01 - Preheat the oven to 375°F. Lightly grease an 8×8-inch baking dish with butter or nonstick spray.
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, red bell pepper, green onions, minced garlic, smoked paprika, ground cumin, salt, and black pepper until evenly distributed throughout the cheese mixture.
04 - Transfer the mixture to 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 to 25 minutes, or until the dip is bubbling vigorously and the edges have turned 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 accompanied by tortilla chips, crusty baguette slices, or fresh vegetable sticks such as celery and carrot.