Heat 2 teaspoons oil in a small saucepan over medium-high heat.
Add garlic; saute 2 minutes. Stir in water, lime juice, 1/2 teaspoon cumin, and 1/4 teaspoon salt; simmer 1 minute.
Remove from heat; set aside.
Combine 1 teaspoon cumin, 1/2 teaspoon salt, flour, and red pepper in a shallow dish. Lightly coat fillets with cooking spray; dredge in flour mixture.
Heat 1 teaspoon oil in a large ovenproof skillet coated with cooking spray over medium-high heat.
Add fillets; cook 2 minutes on each side or until lightly browned.
Remove from heat. Spoon lime mixture evenly over fillets; transfer skillet to oven and bake 5 minutes or until fish flakes easily when tested with a fork.