Step 1

Preheat oven to 375 degrees. Spray a 13 by 9-inch baking dish with non-stick cooking spray.

Step 2

Heat oil in a 12-inch non-stick skillet over medium-high heat. Add onion and bell pepper, saute 4 minutes. Scoot to the far side.

Step 3

Crumble in beef, season with salt and pepper. Let brown on bottom, then break up beef and continue to cook until browned. Drain fat.

Step 4

Add garlic, chili powder and cumin and cook 1 minute longer.

Step 5

Stir in black beans, tomatoes, corn, water, lime juice, and cilantro and remove from heat.

Step 6

To assemble casserole, layer 10 tortilla halves along bottom of baking dish, work to cover whole bottom surface as best possible.

Step 7

Spoon and spread 1/3 of the beef mixture over tortilla layer.

Step 8

Toss cheeses together and spread 1/3 of the cheese mixture over beef layer.

Step 9

Repeat this layering process with tortillas, beef filling and cheese two more times.

Step 10

Bake in preheated oven 20 minutes.

Step 11

Finish with optional toppings then cut into slices. Serve warm with lime wedges if desired.