Thanks for the question, MF, and for being a Regency Reader! And also thank you for the salutation, I am doing very well indeed. I hope you are, as well.
You did not say whether he was a baronet or a knight, so I have provided info on both below.
In speech, the correct formal address is ‘Sir John.’ (How to address Knights and Dames | The English Manner). The same is true for Barons and Baronets.
Guidebooks really became incredibly popular in the late Victorian era, and we have a lot of resources on address. I have snipped some examples below. These focus on address in writing and signatures, as examples of the types of guides available in the latter half of the 19th century. In the 1855 text (middle one) it shows formal, informal writing as well as some indications of speech.
The busy man’s hand-book. (1891). United Kingdom: Griffith, Farran, Okeden & Welsh..
The Illustrated Queen Almanac and Lady’s Calendar. (1855). United Kingdom: Published at the Queen Office..
There is also always Debretts, which has a section on addressing persons of title:
Debrett’s illustrated baronetage and knightage (and companionage) of the United Kingdom of Great Britain and Ireland. (1903). United Kingdom: (n.p.).
I snipped an early 20th century version, but earlier 19th century Debrett’s has this section too (you can click on it to go to the Google book and read the whole section or book).
Thanks for the question, I think it’s an important one and a good reminder to refresh ourselves on address when writing.
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These forms of address all concern writing, not speaking. For instance, a baron’s daughter might be announced at a ball as “The Honorable” but would be spoken to and about as “Miss” if unmarried
I am sorry it was not more clear, I will amend the post. The snipped examples from source material do address writing. I thought it important for readers to understand the resources available to them to answer other questions.
The main text where I reference the English Manner website is specifically for speech, as indicated in the text. This website also includes direction on formal and social writing.