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