When we are participating in something and are concentrating on what we are doing we could be said to be living in the present. But even that might not be entirely accurate. For as I sit and type this answer my mind - that is my consciousness - is not so much focused on the typing, which comes automatically and without me having to even glance at the keyboard, to my projecting into a number of areas at the same time: imagination: imagining you as the questioner; imagining my influence on you with this answer, and thinking what I am going to say. So even here, I'm sort of 'scattered.' I'm divided.
No, complete living in the present, as I see it, is the mind still of its verbal chatter, imagining, and planning. It is not thinking, imagining what will happen, or what has happened. It is still, and aware of it's surroundings. But what is the IT. It is the real us, totally focusing on what is OUT THERE as we look, and listen.
Or if our eyes are shut and we're not listening what is going on IN HERE.
Good question - one could write a book in answer to it.