Combine the chopped tomatoes, onion, jalapeño, cilantro, lime juice, and salt in a bowl. Mix well and refrigerate.
Heat a large skillet over medium-high heat. Add the ground beef, break it apart, and season with salt and pepper.
Cook until the beef is completely browned with no pink remaining. Drain the excess grease.
Return the skillet to the heat. Add the taco seasoning and water, then stir well.
Bring the beef mixture to a gentle boil, reduce the heat, and simmer for about 7–10 minutes, until most of the liquid has been absorbed.
Lightly dampen paper towels with water and place the tortillas between them. Microwave for about 20 seconds to soften.
Add cheese, seasoned beef, pico de gallo, and more cheese to the center of each tortilla. Roll each tortilla tightly around the filling.
Wrap the Meximelts in paper towels and microwave for about 20–35 seconds, until the cheese is melted and gooey. Serve immediately.