1. In a large pot, cook the ground beef over medium heat until browned. Drain any excess fat.
2. Add the diced onion, carrots, and celery to the pot. Cook until the vegetables are tender.
3. Stir in the chicken broth and diced potatoes. Bring to a boil, then reduce the heat and simmer until the potatoes are tender.
4. In a small bowl, whisk together the flour and milk until smooth. Gradually add this mixture to the soup, stirring constantly. Cook until the soup has thickened.
5. Stir in the shredded cheddar cheese until melted and smooth. Season with salt and black pepper to taste.