Ryan Lochte -- I'm a Speed Demon on Land Too!

Ryan Lochte hauling ass in the pool = Olympic gold medals.

Ryan Lochte hauling ass in his car = INSTANT SPEEDING TICKET.

The swimming champ was pulled over by cops in Gainesville, FL recently -- near where his parents live -- after officers say he was going 49 in a 40.

According to court records, Lochte was issued a $119 ticket ... which he can probably afford. If not, he can always sell his diamond-encrusted grill.