LOADED CAULIFLOWER CASSEROLE

Contents
2 lbs. fresh cauliflower florets
8 oz. grated sharp cheddar cheese, divided
8 oz. grated Monterrey Jack cheese, divided
8 oz. block cream cheese, softened
4 tablespoons heavy cream
1½ cup green onion, sliced
6 slices bacon, cooked and crumbled
1 clove of garlic, chopped
½ teaspoon. Salt
Freshly ground black pepper