Shaun White Buys Home -- Drops $3.85 Million to NOT Freeze His Ass Off

Here's a shocker, Shaun White does not snowboard every second of every day -- and the Olympic champ made that clear by dropping almost $4 mil on a brand new BEACH HOUSE!!!!

White recently nabbed the 3,500-square-foot crib in Encinitas, CA -- and despite the $4.25 mil price tag, the boarding master managed to knock off $400k in negotiations ... and bought it for a cool $3.85 mil.

The 3-bedroom, 3-bath house is siiiiick too ... it literally sits right on the coastline, and has a private staircase leading down to the beach. Which is great since White's a pretty good surfer too.

Not only that ... the house is rockin' floor-to-ceiling windows, a huge deck (overlooking the water) and a fire pit.