Preheat the oven to 350°F (175°C). Line a baking sheet with foil or parchment.
Spread the tortilla chips in a single even layer on the prepared baking sheet.
Heat a skillet over medium heat and add the ground beef.
Sprinkle the beef with the ground cumin, chili powder, and Stone House Seasoning; cook, stirring frequently, until the beef is browned and cooked through, about 5 minutes, then remove from heat.
Use a slotted spoon to transfer the cooked beef evenly over the tortilla chips, then scatter the grated Monterey Jack and cheddar cheeses and the drained black beans on top.
Bake the sheet pan in the preheated oven until the cheeses are fully melted, about 5–7 minutes.
Remove the nachos from the oven and top with pickled jalapeño slices, sliced green onions, salsa, sour cream, and diced avocado.
Squeeze lime wedges over the nachos to taste and serve immediately with remaining lime wedges on the side.