Colts Owner Jim Irsay's Divorce FINALIZED -- No Prenup? No Problem!

Indianapolis Colts owner Jim Irsay is officially a single man -- after finalizing his divorce from his wife of 33 years ... and the billionaire sealed the deal by giving her TWO cars that belonged to the team.

According to court docs filed in Indiana and obtained by TMZ Sports, Jim and Meg -- the mother of his 3 daughters -- never had a prenup when they tied the knot back in 1980.

However, they did hammer out a settlement agreement to divvy up their assets.

Meg gets ... her house in Indiana, the rights to her fitness company, a substantial cash payment (the exact amount is confidential) and TWO CARS owned by the Indianapolis Colts.

Unclear if Jim plans to buy the cars -- a 2013 Prius and a 2011 Ford Escape -- from the team ... but he owns 100% of the Colts, so he can do whatever the hell he wants.

Jim gets ... 100% of the Indianapolis Colts, a home in Carmel, Indiana, a vacation home, a "tennis barn" and other properties in Culver, IN ... along with several bank accounts.

Both Jim and Meg signed a confidentiality agreement -- so don't expect them to blab too much about the split.