Ingredients
→ Seasoned Ground Beef
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1 lb ground beef (80/20 blend
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1 small onion, diced
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2 cloves garlic, minced
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1 packet taco seasoning or homemade blend
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¼ cup water
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Salt and pepper to taste
→ Creamy Cheese Sauce
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3 tablespoons butter
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3 tablespoons all-purpose flour
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1½ cups whole milk
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8 oz cream cheese, softened
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1½ cups shredded cheddar cheese
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½ cup shredded Monterey Jack cheese
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1 small bell pepper (red or green), diced
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¼ cup diced tomatoes
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2 tablespoons fresh cilantro, chopped
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½ teaspoon garlic powder
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½ teaspoon onion powder
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Salt and pepper to taste
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Red pepper flakes (optional)
→ Additional Ingredients
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8–10 hard taco shells
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Extra shredded cheese for topping
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Fresh cilantro for garnish
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Sour cream (optional)
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Hot sauce (optional)
Step-by-Step Instructions
1. Cook the Ground Beef
In a large skillet over medium-high heat, cook the ground beef, breaking it up with a spoon until browned, about 6–8 minutes.
Add the diced onion and cook for 3–4 minutes until softened.
Add the minced garlic and cook for another minute.
Stir in taco seasoning and water. Simmer for 5 minutes until thickened.
Season with salt and pepper. Remove from heat and set aside.
2. Make the Creamy Cheese Sauce
In a medium saucepan, melt butter over medium heat.
Whisk in the flour and cook for 1 minute to form a roux.
Gradually whisk in the milk until smooth. Bring to a simmer.
Reduce heat to low and stir in the softened cream cheese until melted.
Add cheddar and Monterey Jack cheese in batches, stirring until smooth.
Stir in bell pepper, tomatoes, garlic powder, onion powder, and cilantro.
Season with salt, pepper, and red pepper flakes if desired. Keep warm over low heat.
3. Warm the Taco Shells
Preheat oven to 375°F (190°C).
Place taco shells on a baking sheet and warm for 3–5 minutes until crisp.
4. Assemble the Loaded Tacos
Fill each taco shell with 2–3 tablespoons of seasoned ground beef.
Generously spoon the cheese sauce over each taco—don’t be shy!
Top with extra shredded cheese.
Return to the oven for 2–3 minutes to melt the topping.
5. Garnish and Serve
Garnish with fresh cilantro.
Serve with optional sour cream and hot sauce on the side.
Enjoy warm and gooey tacos with crunchy, creamy satisfaction.