Preheat your oven to 400°F and line a small baking sheet with parchment paper. Pierce the potato several times with a fork to allow steam to escape during baking.
Rub the potato with olive oil and sprinkle with kosher salt. Place directly on the prepared baking sheet and bake for 45-60 minutes, until the skin is crisp and the inside is tender when pierced with a fork.
Carefully slice the baked potato open lengthwise and fluff the inside with a fork. Sprinkle the chili powder, cumin, smoked paprika, and garlic powder evenly over the fluffy interior.
Top the seasoned potato with black beans, corn kernels, and shredded cheddar cheese. Return to the oven for 3-5 minutes until the cheese is fully melted.
Remove from oven and dollop with sour cream. Garnish with fresh cilantro and diced red onion before serving hot.