One good way to retain heat is to insulate the sides of your tank with foam (I cut up an old sleeping pad, but denser foams work as well). The heat lamp you're using is probably draining your humidity, so you may have to switch substrates (something like Cypress or Cocohusk) to really keep it humid. Covering the top of your tank with tin-foil rather than towels will keep humidity AND reflect heat back into the tank.
BTW, you can - I'd even say should - put your UTH under the tank. That's where your snake can sit on it (Edit: sit on the glass above the UTH) and receive the benefits of its warmth! Your baby won't get burnt because your UTH should be plugged into a thermostat. This is one inexpensive option. The thermostat keeps your UTH at a safe temperature AND you're guaranteed to always have a warm spot your snake can access.
Also, how are you measuring your temperatures? Where is your thermometer located inside the tank? It may be warmer/cooler than you think depending on where you're testing!
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