Matt James now owes a golf photographer far more than just a bunch of roses ... 'cause the former "Bachelor" star nailed the dude with an errant tee shot a pro-am event in Arizona on Wednesday, nearly hitting the guy in his family jewels!!!
The hilarious (and terrifying!) scene all went down at the Waste Management Phoenix Open Pro-Am ... when James stepped to the tee box barefoot at the world-famous 16th hole at TPC Scottsdale to try to win some money for charity.
Matt was gunning to be the closest to the pin on the par-3 .