Preheat oven to 375°F (190°C). Grease a 9x13-inch baking dish.
In a skillet, cook ground beef over medium heat until browned. Add onion and garlic, and cook until softened.
Stir in chili powder, cumin, paprika, oregano, salt, and pepper. Cook for 1 minute.
Add 1/2 cup enchilada sauce to the beef mixture and simmer for 2-3 minutes. Remove from heat.
Warm tortillas slightly to make them pliable. Spread about 1/4 cup of the beef mixture onto each tortilla. Add a sprinkle of cheddar and Monterey Jack cheese. Roll up tightly and place seam-side down in the prepared dish.
Pour the remaining enchilada sauce evenly over the rolled tortillas. Sprinkle with the rest of the cheese.
Bake for 20-25 minutes, until cheese is melted and bubbly.
Serve warm with optional toppings.
Notes
For a spicier version, add chopped jalapeños to the beef mixture or use a spicier enchilada sauce.