Tender Baked Chicken with Creamy Parmesan Topping

Ingredients

• 4 boneless skinless chicken breasts (about 1.5–2 pounds)
• Salt, to taste
• Freshly ground black pepper, to taste
• 1 tablespoon olive oil (optional, for searing)
• 1 cup sour cream
• 1/2 cup mayonnaise
• 1 teaspoon garlic powder
• 1 teaspoon onion powder
• 1/2 teaspoon smoked paprika
• 1/2 teaspoon salt
• 1/4 teaspoon freshly ground black pepper
• 1 cup freshly grated Parmesan cheese
• 1/2 cup shredded mozzarella or cheddar cheese
• Fresh parsley or chives, chopped, for garnish
• Red pepper flakes, optional, for heat