However you choose to address a woman, at least use a capital 'M.'
You should consult with someone familiar with the woman in deciding whether to use Ms, Miss, or Mrs.
'Miss' has largely fallen out of favour, except when addressing a young girl. Some married (or widowed) women over the age of sixty might object to 'Ms.'
Mrs. is a married woman and Miss is a single woman.
A Mrs is married, a Miss is not.
Mrs. = a title added to the name of a married woman that does not have a honorific, higher or professional title.
Miss = a title added to a unmarried woman or girl that does not have a honorific, higher or professional title.
Mrs. denotes a married woman. It's short for "mistress" which used to mean "wife".
Miss denotes a single woman.
Ms. could denote a woman who is divorced or widowed, or is married but has a different last name than her husband. It could also apply to any woman in general.