Preheat oven to 400°F (200°C). Brown the beef in a skillet over medium-high heat for 6-8 minutes, then stir in taco seasoning and water and simmer until slightly thickened, about 3 minutes.

Spread chips in a single layer on a large rimmed baking sheet. Top with beans, corn, beef, and 1 cup of the cheese.

Bake for 10-12 minutes until cheese melts and chips at the edges turn golden. Optionally broil for 1-2 minutes for bubbly cheese.

Remove from oven and sprinkle with remaining cheese, then pile on onion, tomato, avocado, jalapeños, and sour cream.

Scatter cilantro over the top, add lime wedges, and serve immediately.