In a large skillet over medium heat, brown the ground beef, breaking it up as it cooks. Drain excess grease if needed.
Stir in taco seasoning and ¼ cup water. Simmer for 2–3 minutes until thickened. Remove from heat and let cool slightly.
In a bowl, mix softened cream cheese with salsa until smooth. This creamy blend adds a rich, tangy flavor.
Preheat oven to 400°F (200°C). Line a baking sheet with parchment or lightly grease it.
Spread 1–2 tbsp of the cream cheese mixture over half of a tortilla. Add 2–3 tbsp of beef, then sprinkle with cheddar.
Fold in half and press edges to seal. Repeat with all tortillas.
Brush tops with melted butter. For extra cheesiness, sprinkle more cheddar on top.
Bake 10–12 minutes, flipping halfway, until golden and crisp. Press gently with a spatula if edges puff up.
Let cool slightly before serving. Top with green onions, sour cream, guac, or pico. Perfect with rice, beans, or as a handheld meal.