Preheat and prep the pan: Heat your oven to 400°F (200°C).
Lightly oil a 9x13-inch baking dish or line it with parchment for easier cleanup.
Season the chicken: Pat the chicken breasts dry. Rub with olive oil and season both sides with 1 teaspoon salt, 1/2 teaspoon black pepper, 1 teaspoon garlic powder, 1/2 teaspoon onion powder, and 1/2 teaspoon smoked paprika.
Make the cheesy jalapeño mixture: In a bowl, combine softened cream cheese, sour cream, and mayonnaise. Fold in half of the shredded cheddar and half of the Monterey Jack.
Add sliced jalapeños (reserve a few for topping), green onions, the zest of half a lime, and a small squeeze of juice. Stir until smooth and evenly mixed.
Assemble: Arrange the chicken in the baking dish in a single layer. Spread the cheesy mixture evenly over each piece, covering completely.
Sprinkle the remaining cheese on top, then add the reserved jalapeño slices.
Bake: Bake uncovered for 22–28 minutes, or until the chicken reaches an internal temperature of 165°F (74°C). The top should be melted and lightly golden.
Broil for color (optional): If you want deeper browning, broil on high for 1–2 minutes. Watch closely so it doesn’t burn.
Rest and garnish: Let the chicken rest 5 minutes.
Sprinkle with chopped cilantro and a few extra green onions. Add a final squeeze of lime if you like brightness.
Serve: Great with rice, roasted veggies, a simple salad, or warm tortillas. Spoon extra sauce over everything.