It looks like #include <db.h>
will provide an interface to Berkeley 1.85 because that's what's installed by default on FreeBSD. We have Berkeley 4.2 installed via ports, and to avoid conflicts, the header that interfaces with 4.2 is put elsewhere - I was referencing the right library but not the right header.
So, I changed the include to:
#include <db42/db.h>
...and compiled with...
cc -I/usr/local/include/ -L/usr/local/lib/ -ldb-4.2 db_test.c -o db_test
Running the above source with that modification produced no visible output, which means it worked!
As a newbie to it, BSD is weird.