What was your recipe? 1.040 seems low...especially if you were expecting to have a beer higher in ABV and especially given this was a hop stoopid clone (which should have a much higher OG). If your OG was 1.040 and your FG is 1.020, you've got yourself a 2.6% ABV beer.
I'm thinking your OG is off - if you topped off with fresh water at the end of your boil it is difficult to get a good reading. However, given an extract recipe, it is pretty straight forward to figure out what your OG probably was. Did the recipe list an expected OG?
Your right I did top off with fressh water. The O.G. in the recipe was supposed to be 1.074