Just a thought and it might be too late but with 04 being a high flocculating strain and the cooler temperature you might not have completed fermentation but instead stopped it. warm it up to the mid 60s (the bulk of the fermentation is done, it shouldn't effect flavor much, if at all), swirl it and give it a few days. You can probably skip the swirling part if you can catch the beer before the yeast completely flocculate. Can probably skip the swirling part all together if you really want.
In my experience, S-04 will keep chuggin along for virtually ever if it is not "shocked" by a significant drop in temp. It just plain doe not attenuate as far as some calculators suggest. It reall does leave a "malty" flavor.
Absolutely increase the temp even to 70 f but do not expect the FG to drop that that awful much since the bulk of the fermentation is done by now.
Could well be the case. I think we are both alluding to the point that raising the temp a bit will help it to "finish" a bit faster.
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