michael phelps & taylor lianne chandler
*Dang! This is probably an embarrassing situation that Michael Phelps finds himself in .

It seems the Olympic champion swimmer – before he went into rehab- was having a hot and steamy affair with much older blonde, Taylor Lianne Chandler.

But according to RadarOnline, the most shocking aspect of their relationship wasn’t the 12-year age difference. Nope. It’s that Chandler, 41, was actually born a man!

Chandler, born David Roy Fitch, tells Radar in an exclusive interview that she was an intersex baby.

“I was born with male genitalia with no testicles, but I also have a uterus and no ovaries,” she explains.

As a teen, Chandler decided to change her name to Paige Victoria Whitney, and later underwent surgery to become the woman she always dreamed of being.

However, the busty stunner admits to Radar that she never told her gold-medal Olympian lover, 29, about her gender-bending past— even after their hot hookup sessions.

Whoa! Now thzaat we have your attention, you can get the rest of the story at RadarOnline.