First, if your snake is hanging out on the cool end (75*) most of the time, it suggests that your snake is too warm, so I'm wondering how accurately you're taking the temps. inside the enclosure- I just want to make sure you know that you cannot rely on what a t-stat is set to, you need to verify all temps. independantly. Most here use a "temp. gun" to read the temps.
UTH- is usually low wattage- yours is 24 watts- that CANNOT penetrate thru thick substrate- you need less than half inch of substrate over the UTH to be effective, and also, IF your UTH is not vented (installed correctly per instructions), you run the risk of it overheating & shorting (could cause a fire) so for safety, please re-think the amount (or type) of "insulation" (aka "substrate") you have over the UTH.
If you must have thick substrate, you'll need to heat (using various options) only from overhead.