Step 1: Preheat the Oven

Start by preheating your oven to 350°F (175°C). Lightly grease a 9×13-inch baking dish to prevent sticking.

Step 2: Cook the Beef Mixture

1. In a large skillet over medium heat, cook the ground beef until browned, breaking it apart with a spoon. This should take about 5–7 minutes.

2. Add the chopped onion and garlic, then cook for another 2–3 minutes until the onion turns soft and translucent.

3. Season the beef with salt, black pepper, paprika, oregano, and chili powder if using. Stir well to combine.

4. Drain any excess fat if necessary, then set the beef aside.

Step 3: Prepare the Rice and Sauce

1. In a large mixing bowl, combine the uncooked rice, beef broth, cream of mushroom soup, cream of cheddar soup, and milk. Stir until well mixed.

2. Add the cooked beef mixture to the bowl and stir everything together.

Step 4: Assemble the Casserole

1. Pour the mixture into the greased baking dish and spread it out evenly.

2. Sprinkle ½ cup of shredded cheddar cheese on top.

3. Cover the dish tightly with aluminum foil to ensure the rice cooks properly.

Step 5: Bake the Casserole

Place the casserole in the preheated oven and bake for 45 minutes. The rice should be tender, and the flavors will meld beautifully.

Step 6: Add the Final Touches

1. Remove the foil and check if the rice is fully cooked. If it needs a few more minutes, re-cover and bake for an additional 5–10 minutes.

2. Once the rice is done, sprinkle the remaining ½ cup of cheddar cheese and ½ cup of mozzarella over the casserole.

3. If you love a crispy top, mix crushed crackers or breadcrumbs with melted butter and sprinkle it on top.

4. Return the casserole to the oven, uncovered, and bake for another 10 minutes until the cheese is melted and bubbly.

Step 7: Let It Rest and Serve

Once the casserole is golden and cheesy, remove it from the oven. Let it rest for 5–10 minutes before serving to allow the flavors to settle. Serve warm and enjoy!