Preheat oven to 375°F (190°C). Cook lasagna noodles according to package instructions. Drain and set aside.
Brown ground beef in a skillet over medium heat. Add taco seasoning and water, stirring to combine. Bring to a simmer and let cook until thickened.
In a 9x13-inch baking dish, spread a layer of refried beans. Arrange a layer of cooked lasagna noodles on top.
Spread half of the taco beef mixture over the noodles, followed by half of the cheddar and mozzarella cheese. Repeat the layers.
Top with sour cream, remaining cheese, and desired toppings. Cover with foil and bake for 25 minutes, then remove foil and bake for an additional 10-15 minutes, until cheese is bubbly.
Let the lasagna rest for 5-10 minutes before slicing and serving. Garnish with extra cilantro and a sprinkle of garlic and onion powder.
Notes
For an extra burst of flavor, top with diced tomatoes, shredded lettuce, or diced avocado before serving.