1 pound ground beef
⅓ cup all-purpose flour
4 cups chicken broth, divided
1 large onion, diced
2 large carrots, peeled and diced
3 stalks celery, diced
3 cloves garlic, minced
4 medium baking potatoes, peeled and diced
2 bay leaves
¼ teaspoon salt, plus more to taste
¼ teaspoon black pepper, plus more to taste
6 ounces shredded sharp cheddar cheese
½ cup half and half cream
½ cup sour cream