Whisk the flour, baking powder, and salt together in your large mixing bowl. Pour the warm water into the flour mixture slowly. Stir gently with a fork until a soft dough forms.
Turn the dough onto a lightly floured surface. Knead it gently for about one minute. Do not overwork the dough or it will become too tough.
Divide the smooth dough into four equal portions. Roll each portion into a ball using your hands. Let the dough balls rest under a clean towel for ten minutes.
Heat two inches of vegetable oil in your large skillet. Ensure the oil reaches a hot temperature of 350 degrees Fahrenheit.
Pat each dough ball into a flat circle. Make them about one-half inch thick and six inches wide. Poke a small hole in the center of each circle.
Place one dough circle into the hot oil carefully. Fry it for about one to two minutes until the bottom turns golden brown.
Flip the bread over using your tongs safely. Fry the second side for another one minute until it puffs up beautifully.
Remove the golden bread from the hot oil. Place it on paper towels to drain the excess oil completely.
Brown your ground beef in a separate pan over medium heat. Drain the grease and stir in your favorite taco seasoning mix.
Place one warm piece of fry bread onto a clean serving plate. Spoon a large scoop of the hot seasoned beef directly onto the bread.
Top the meat with plenty of shredded cheddar cheese immediately. Add a handful of lettuce, diced tomatoes, and a dollop of sour cream. Serve hot.