Prep the oven and pan: Preheat to 375°F (190°C). Lightly oil a 9x13-inch baking dish.
Sauté the veggies: Warm olive oil in a large skillet over medium heat.
Add onion and bell pepper and cook 4–5 minutes until softened. Stir in garlic and cook 30 seconds.
Add zucchini and seasoning: Add zucchini and cook 3–4 minutes. Sprinkle in taco seasoning, cumin, and smoked paprika.
Stir to coat.
Build the filling: Add black beans, pinto beans, corn, diced tomatoes (drained), and tomato sauce. Season with salt and pepper. Simmer 3–5 minutes until thickened slightly.
Taste and adjust seasoning.
Layer the base: Arrange a layer of tortillas on the bottom of the baking dish, overlapping to cover the surface.
Add filling and cheese: Spoon half the bean mixture over the tortillas. Sprinkle with one-third of the cheese.
Repeat layers: Add another layer of tortillas, then the remaining filling, and another third of the cheese. Top with a final tortilla layer and the remaining cheese.
Bake: Cover with foil and bake 15 minutes.
Remove foil and bake another 10–12 minutes, until the cheese is melted and bubbly with lightly crisp edges.
Rest and garnish: Let it rest 5–10 minutes to set. Sprinkle with chopped cilantro if using.
Serve with toppings: Add sour cream or yogurt, avocado, lettuce, tomatoes, jalapeños, hot sauce, and a squeeze of lime.