There appears to be two possibilities. James and Garret Garretson both have households in Girard in the 1910 census. They are brothers. In the 1870 census they were living in Montgomery County with their parents and siblings. In the 1880 census they were living in Monmouth Co NJ as boarders. Their census entries through the years show that both their parents were born in New Jersey. Garret appears to have sometimes used the initials G. W., James was James L. Garret's wife was Della, James' was Gussie. Do you have any clues as to which of these two might have built your house?