Preheat oven to 400°F (200°C). Line a baking sheet with parchment paper.
In a large skillet, cook ground beef over medium heat until browned. Drain excess fat.
Add taco seasoning and water to the beef. Simmer for 5 minutes, then remove from heat and let cool slightly.
In a mixing bowl, combine cream cheese, cheddar cheese, mozzarella, garlic powder, onion powder, cumin, salt, and pepper. Stir in the cooled beef mixture.
Roll out one puff pastry sheet on a lightly floured surface into a 12x16-inch rectangle. Place on the prepared baking sheet.
Spread the beef mixture evenly down the center of the pastry, leaving a 2-inch border on all sides.
Cut 1-inch wide strips along the long sides of the pastry, cutting toward the filling.
Fold the strips over the filling, alternating sides to create a braided effect.
Brush the top of the braid with beaten egg.
Bake for 20–25 minutes, or until golden brown and puffed.
Let cool for 5–10 minutes before slicing. Serve with optional toppings like salsa, sour cream, green onions, or tomatoes.
Notes
Optional toppings: salsa, sour cream, chopped green onions, diced tomatoes.