Heat olive oil in a skillet over medium heat. Add the chopped onion and cook for 3-4 minutes until softened.
Add the minced garlic and cook for an additional minute until fragrant.
Stir in the ground beef, breaking it apart with a spoon. Cook until browned and fully cooked, about 7-8 minutes.
Season the beef with paprika, chili powder, garlic powder, onion powder, salt, and pepper. Stir well.
Turn off the heat, then stir in shredded cheddar cheese. Let it melt into the beef mixture.
In a small bowl, whisk together mayonnaise, sour cream, ketchup, mustard, garlic powder, smoked paprika, salt, and pepper until smooth.
Warm the tortillas in a skillet or microwave until pliable.
Spread a spoonful of creamy sauce on each tortilla. Add a layer of shredded lettuce and diced tomato.
Top with the cheesy ground beef mixture, followed by mozzarella cheese and any optional toppings.
Fold in the sides of the tortilla, then roll it tightly to form a secure wrap.
For an extra crispy finish, toast the wraps in the skillet for 1-2 minutes on each side.
Slice each wrap in half, serve immediately, and enjoy!